The application will have an impact. 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 events; More than 5 years, should be deleted. When you start a new business, the relevant departments will generally give priority to the recent consumption and repayment records.

According to the regulations of the People's Bank of China, all card-issuing banks must regularly upload customers' consumption and repayment records, and cannot tamper with them. If you apply for a loan/credit card business at China Merchants Bank, we will not make any bad comments on your usage record, but only give you a truthful feedback of your historical usage record without any subjective judgment. If bad credit information has been generated and there is no doubt about the record, then it can only be a good repayment habit in the follow-up.