Suncorp did put something on my credit rating, they listed with equifax and illyon and one other. As I am in france it had no impact on me borrowing here, I worried it would but it didn’t, out of jurisdiction.
However, during this convid BS there is a way out of your credit card by making a settlement offer and blame covid. Simply write a notice to settle the account, you must attach a cheque or cash (take photos if you do this) and state that ‘due to covid’ restrictions have caused you serious harm and has left you in a vulnerable poisiton and you are offering this cheque/cash to settle and discharge the debt. There are more details to add to this so research is necessary.
Considering the change that is about to happen with banks, not sure a credit rating will be worth anything once the s… hits the fan.