PCB complies with Article 19 Decree 58 on the processing of credit information.

1. Based on the credit information collected and stored, PCB conducts analysis, evaluation, and synthesis to create credit information products.
2. The process of checking, classifying, and updating credit information ensures the nature and content of the credit information remain accurate and unchanged.
3. Negative information of customers can only be used to create credit information products for a maximum period of 5 years from the end date the negative information, unless otherwise provided by law.