Bank is 10. But all this is likely to change with the FCRIA shortly anyway. About time as well.Pretty much everything on your credit disappears after 7 years
It's not even usually CC companies at that point, they've long since charged it off as bad debt and sold it. Debt buyers are something else...7 years since the close of the account/last reported activity. There's a lot of shady shit credit companies do to avoid this.