It cannot be eliminated, but the bad credit record will not be followed for life. From the date when the borrower pays off all the debt, it will automatically disappear after 5 years as time goes by. on your credit report. \x0d\Solutions for overdue credit cards:\x0d\1. If the cardholder forgets to repay the card and discovers it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;\x0d\2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period to explain his financial situation. status, declare that they are not malicious in arrears, and apply for deferred repayment or installment repayment;\x0d\3. The cardholder actively applies for deferred repayment, and the bank will often agree to the extension. The bank and the cardholder agree on a repayment acceptable to both parties. plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;\x0d\4. The credit card repayment information system of the central bank rolls over 24 months, and the record of overdue repayment of credit cards will be kept in the credit system for two years. In the year, if you find that you have paid off the card overdue and then canceled the card directly, the information will not be rolled over, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.