If it is a credit card of China Merchants Bank, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot be tampered with. If we have used our credit card before, we will not make any bad comments on the use record, but only truthfully feedback the historical use record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

Relevant departments will generally give priority to recent consumption and repayment records when handling new business.

Second, there is a record of overdue credit reporting, but it has been paid off?

If there is no overdue record in the next two years, you can apply for a loan, and if it is overdue within 30 days in the next two years, you can apply; If it is overdue for more than 90 days. According to the Notice on Defining the Use Standard of Personal Credit Report, bank loans are overdue for three consecutive months, or the accumulated overdue amount exceeds this amount within two years. Even if the bank issues a notice that "unqualified credit will not be issued", the loan review Committee will not agree to its application for housing loan. In case of special reasons, after the loan bank issues a certificate,

3. There are overdue records in the credit report, but they have been paid off?

Personal credit report shows overdue but settled. This is because financial institutions have not uploaded the information that the loan has been paid off to the credit information center. As long as the information is uploaded, the credit information will be updated, and the user only needs to wait for the update. Most financial institutions upload information once a month. After clearing overdue debts, users can select the next month to query credit information.

Next month, the status of the credit report will change. As for the credit report of the month, it is normal for the credit report to be overdue.

4. There are overdue records in the credit report, but it has been paid off. Can I take the high-speed train?

There are overdue records on the credit report, but they have been paid off. This will not affect users flying and high-speed rail. Even if users are classified as untrustworthy, they can still take planes and high-speed trains, but their seats will be limited. For example, airplanes are not allowed to take second-class cabins or above, and all seats and other first-class seats of G-prefix EMU trains are not allowed to make non-life and work-related consumption.

However, there are overdue records in the credit information, which mainly affects the user's personal credit information, so that the user will not be listed as a untrustworthy person. Moreover, the user has paid off the overdue debts, and the overdue records will only be kept in the credit information for 5 years. After 5 years, overdue records were automatically deleted and personal credit information returned to normal. As long as users pay off overdue debts, the negative impact of overdue records will gradually decrease.

Of course, there are overdue records in the user's credit information, and the user refuses to repay, or even refuses to repay after being enforced, then it will be listed as an executor of dishonesty.