The time for expiration of overdue records varies according to the policies of different countries and credit agencies. Generally, past due records are retained for a period of time after a credit card account is paid off, usually several years. Eliminating overdue records does not mean that you can apply for a new credit card immediately. Other factors such as personal credit score, income status, etc. will also affect whether the bank approves the application.

Detailed instructions:

1. Elimination time: The time that overdue records are kept in the bad records report depends on the regulations of each country and the credit bureau. For example, in China, overdue records may be retained for two to five years.

2. Impact period: Even after the overdue records are eliminated, the initial overdue behavior may still have a negative impact on the credit score. Until the record is cleared, delinquency will continue to affect an individual's credit score and may result in a mark of bad credit.

3. Credit score: When approving a credit card application, in addition to considering overdue records, banks will also consider other factors, such as personal credit score, income status, employment status, etc. If these factors meet the requirements set by the bank, it is possible to successfully apply for a credit card even if you have a past due record.

Summary:

The time for expiration of overdue records varies depending on the policies of the country and the credit agency. Even if the overdue record is eliminated, the success of applying for a credit card will still be affected by your personal credit score and other factors. It is important to maintain a good credit record and work to improve your personal credit profile.

Extended information:

The elimination time of overdue records may vary in different countries and regions. Personal credit reports in China generally retain overdue records for two to five years. In the United States, past due records are typically removed from credit reports after seven years. However, it should be noted that even if the overdue records are eliminated, banks and other financial institutions can still view the historical records and consider them comprehensively to decide whether to approve the credit card application.

Please note that the above information is for reference only. The specific cancellation time and card application requirements may change according to the policies of different countries and institutions. It is recommended to consult your local financial institution or credit bureau for more accurate information.