1. How long can the overdue credit card be eliminated?

1. After the credit card is overdue, it takes five years to eliminate the bad records, and it is based on the settlement of the arrears. As long as the debt is not paid off for one day, the credit record will remain, and it is impossible to manually intervene or delete the credit record.

2. But the information in the credit report only shows the information in the last two years. Continue to use the credit card for 2 years. With a good credit record, bad records can be overwritten, but the coverage is displayed and not deleted. When the credit card is overdue for more than three times in a row, that is, for a total of three months or six times, it will be blacklisted by the bank, and it is difficult to apply for any credit service from the bank.

2. How long is the credit card overdue?

1. After the credit card is overdue for one week, the bank usually communicates with the cardholder by phone or SMS. If the communication fails or no one can be contacted, the bank will ask a third-party collection agency to collect the money on its behalf and contact the cardholder's relatives and friends.

2. Generally, it will not be collected at home, and the probability of harassing by calling and texting every day is greater. When the credit card debt involves too much, the collection agency can't collect it. Generally, banks take overdue people to court on the grounds of fraud, rather than collecting them at home. Online lending platforms are mostly used for door-to-door collection, and there are few credit cards.

3. How long will the overdue credit card be prosecuted?

1. When the cardholder's credit card is overdue for more than 3 months, and the bank has effectively collected the user for at least 2 times during the overdue period, and the user still has no willingness to repay, it is regarded as malicious overdue. Banks have the right to sue overdue cardholders. Once a lawsuit is filed, the court will start the tracing system to inquire about the asset income under the cardholder's name.

2. If the cardholder fails to pay back the money, the court will enforce the property under his name and auction the debt. If you owe more than 50,000 yuan and overdraw your credit card for the purpose of illegal possession, you will face the crime of "malicious overdraft" and refuse to repay.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.