No.

In fact, not every bai purchase on a credit card will be reflected in the credit report.

What the credit system shows is mainly the cardholder's monthly repayment status, such as whether it is overdue, the number of days overdue, and whether it is normal repayment, etc. As for the specific things such as people's daily consumption, it will not be shown on the credit report. Want to check each credit card spending records can WeChat attention card review, after entering their name, ID card, bank card, you can get a believe credit card spending report.

Credit records are dynamically updated, if the card is still in use, but the repayment schedule, the new record will be previously updated to the back of a have a good past record, within 2 years can do other loan categories, in completely no problem years. But a foot card record stays on top of the last overdue, no way out, so-called pay off credit history is a lie.

Expanded Information:

The information recorded in the credit system includes positive and positive information, as well as some negative information. It mainly includes the failure to repay the principal and interest at the time required by the contract after the borrowing relationship with the bank, and the delinquency and non-repayment of the borrowed money will be faithfully reflected in the credit record, which will form an adverse impact on the individual's credit.

According to Article 14 of the Regulations on the Administration of the Credit Collection Industry, credit bureaus are not allowed to collect information on an individual's income, deposits, securities, commercial insurance, real estate, or information on the amount of taxes paid. However, the credit reference agency clearly informs the subject of the information of the possible adverse consequences of providing the information and obtains his/her written consent.

Baidu Encyclopedia - Regulations on the Administration of the Credit Collection Industry