According to your description, by taking some measures, we can eliminate the overdue records of credit cards and reduce the impact on loans. The specific answer is as follows:

First of all, in eliminating overdue records and reducing the impact on loans, we can consider the following measures:

1. Pay off the arrears in time: pay off the arrears as soon as possible after the deadline to avoid further overdue. Timely repayment of arrears can show your ability to solve debts and willingness to repay, which helps to eliminate overdue records.

2. Negotiate with the bank: contact the credit card issuer, explain the situation and seek cooperation solutions. You can try to apply for deferred repayment, installment repayment and other flexible repayment methods to reduce the economic burden and ensure the timely repayment of overdue funds.

3. Cultivate a good credit record: In addition to paying off overdue funds as soon as possible, you can also make up for overdue bad records by establishing a good credit record. For example, paying other bills on time and observing the repayment period of other credit cards will gradually improve your credit score and reduce the impact of overdue records on loans.

To sum up, you can cultivate a good credit record, eliminate overdue records of credit cards and reduce the impact on loans by timely repayment and negotiation with banks. It takes time to restore the credit record, but as long as you take active measures to gradually establish a good repayment record and reputation, the loan opportunity can still be guaranteed.

Extended data:

China's personal credit records are mainly managed by the central bank's credit information center. Overdue records have a certain negative impact on the credit score, which may lead to an increase in interest rates, limited credit lines and even refusal of loans. Therefore, establishing a good credit record is very important for personal loans and future financial transactions.

The above are relevant suggestions based on the information you provided. Please clearly agree on the repayment plan, actively cooperate with the bank, and minimize the impact of overdue records on loans. I wish you an early and successful elimination of overdue records and a smooth loan!