the reason why the balance is zero is because it was settled before the repayment period.

Personal credit information includes the following contents

1. Personal basic information: including the name, gender, age, work unit, contact address and other information used to identify individuals.

2. bank credit: this item will list the details of each credit card and loan business, and specifically show the past debt history of the party under credit investigation. Credit institutions and credit banks often analyze consumers' behavior and consumption preferences from this information, and judge their future repayment ability from their past repayment willingness. This information is very important.

3. Non-bank credit: record the payment of consumers for communication, water, electricity and coal, such as whether the mobile phone is in normal use and whether the public utilities are in arrears.

4. Objection record: when the party under credit investigation thinks that the contents reflected in the report are controversial, it can be reflected in this part by adding a statement. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit investigation agencies to correct and update information.

5. Query record: it is a summary of all the records queried by the individual in the last 6 months. If there are too many records of inquiry, and there are no records of issuing cards or lending during this period, banks will feel that the qualifications of the parties under credit investigation are not good, which will affect the handling of loan applications and credit cards in the future.