It is understood that the second-generation credit report will only record the monthly repayment of each credit card, such as whether there is YQ, the number of days of YQ, whether it is normal to repay, and the amount of repayment. , and the consumption record of each credit card will not be displayed. Not to mention that generally only the issuing bank will query the consumption records of its credit card from the system, and other banks have no right to query other banks. Therefore, there is no need for people to worry that the consumption records of credit cards will be seen by others. Another convenient way is to get the credit card analysis report through card scrutiny, so that you can not only know your own consumption records, but also score your own credit card usage and calculate your own risk index and withdrawal probability, thus helping people to better optimize their personal qualifications.