Overdue credit card records are generally eliminated after 5 years in China.

Reason:

1. According to the regulations of the People's Bank of China, the retention period of personal credit information is 5 years. This means that credit card overdue records will be kept during this period.

2. The elimination of overdue credit card records is related to the specific overdue situation. If an overdue payment occurs, the overdue record will not start counting down until all overdue amounts are paid off and the relevant records are released.

3. Before the overdue record is eliminated, the overdue status may have a negative impact on an individual's credit score. This can lead to difficulties for individuals applying for loans, credit cards or other financial services.

Extended information: According to the "Personal Credit Information Basic Database Management Measures" of the People's Bank of China, personal credit information will be recorded in the credit reporting system, and a national unified personal credit information database is maintained. The database is managed and maintained by the Credit Information Center of the People's Bank of China. Overdue records are part of it, which reflects personal credit defaults and has an important impact on personal credit evaluation. Therefore, in daily life, we should maintain a good credit record and pay off overdue debts in a timely manner to maintain a good personal credit status.