Individuals who have defaulted on a credit repayment will be given at least 90 days grace period and at least 30 days of advance notice by lending institutions before their default data may be retained by a credit reference agency on a long - term basis 在个人的欠帐资料由信贷资料服务机构保留一段较长的时间前，放款机构应最少给予欠帐的个人90日宽限期及最少30日的预先通知；
