More than 200 days overdue has caused bad credit information. After paying off all the arrears, you need to contact the card department to unfreeze.

The card department will decide whether to unfreeze according to the time, amount and reason of the cardholder's arrears.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank.

Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and it is the basic product of personal credit information basic database.

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.