Credit cards cannot be deleted voluntarily after they are overdue, and can only be overwritten by time. They can be kept for up to five years, and the expired records will disappear automatically after five years.

Banks, financial institutions and other loans generally only refer to the credit records of the last two years, that is to say, after overdue, repayment on time for two years will not be greatly affected. Once the credit card is uploaded to the credit information system, it cannot be eliminated artificially. You can consult with the bank before uploading. Banks usually upload customers' credit card and loan repayment records to the People's Bank of China once a month, so there is still a chance to delete overdue credit card records before the bank uploads them to the People's Bank of China. If the repayment is overdue for two or three days due to forgetting or other reasons, you can immediately contact the customer service of the bank credit card center to explain the overdue repayment in detail and ensure the repayment on time in the future. Banks are usually very reasonable and will help delete overdue records. However, the premise is that the previous credit is good and the overdue time is not long. So you can continue to use your credit card after it expires. It is best not to cancel your credit card, but to continue to use it for more than two years, during which you can maintain a good credit, so that bad records can be deleted from the credit information system by rolling records.

How long will the credit card be sued if it is overdue?

Under normal circumstances, after the credit card user is overdue, the bank will not sue immediately, but will call the cardholder first to make a dunning. Credit card users will not easily sue overdue users as long as they answer the bank's call and explain their willingness to repay. However, if the cardholder deliberately evades the bank's collection, he may be sued by the bank if the overdue time reaches 3 months. Because the laws related to credit cards clearly stipulate that if the cardholder fails to repay the minimum repayment amount stipulated by the bank for three consecutive months, then the bank has the right to sue overdue users.

If the overdue amount of credit card users reaches 50,000 yuan, it is a malicious overdraft. In this case, once the bank sues, if the court decides that the cardholder is maliciously overdrawn, the overdue user will be punished as credit card fraud, and the cardholder may bear criminal responsibility.