1. In general, the credit card is overdue for non-personal reasons, unable to repay due to bank reasons, or unable to repay due to external force majeure factors. After repayment, you can raise an objection to the central bank's credit information center and ask the bank to modify the credit information. Credit can be restored in about 20 days at the earliest after confirmation;

2. If the credit card is overdue for my own reasons, it will take 5 years for the repayment to return to normal.

Article 16 of the Regulations on the Administration of Credit Information Industry

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Article 17

Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Article 18

When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.

Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.