According to China’s credit card regulations, overdue records can be eliminated after a specific period of time. Specifically:

1. Generally, it takes 5 years for overdue credit card records to be eliminated.

2. During this 5-year period, overdue records will have a negative impact on personal credit scores, which may lead to reductions in credit limits, increases in interest rates, or rejection of applications for other financial products.

3. For some serious overdue records, such as debts judged by the court, the impact may be longer, more than 5 years.

Summary: Overdue credit card records usually take 5 years to eliminate, during which time they will have a negative impact on personal credit scores.

Extended information: According to the People's Bank of China's "Credit Industry Management Measures" and other relevant regulations, the elimination time of overdue credit card records is determined based on the individual's behavioral performance and repayment status. It is recommended to pay off credit card debts in time and maintain a good credit record to avoid adverse effects on personal credit.