Hello, it will be eliminated five years after the overdue payment is paid. Black account of credit card refers to the users whose credit is refused by the relevant banks, such as long overdue, repeated dunning, illegal cashing, etc. This situation will be recorded in personal credit information, which will affect the pass rate of subsequent loans or credit card applications of cardholders.

For example, if your credit card is overdue for a long time and has been recorded in the credit information, and the overdue principal and interest are paid off on May 1, 223, then this overdue record will be eliminated on May 1, 227, which is automatically eliminated by the system and cannot be modified artificially. If it has not been paid off, it will never be eliminated.