Hello, due to your overdue repayment, your personal credit report will definitely have a bad record. Although the money has been returned, your card is no longer available. If the bank cancels, your bad record will be kept for a long time. At present, there is no clear regulation on bad records in personal credit reporting in China, some say it is seven years, and some say it will never be eliminated. If your card can still be used after consultation with the bank, then you should always swipe your card and pay back frequently to improve your personal credit. After two years, your personal credit will return to normal. Good luck.