The credit card is overdue for 7 times, and the credit record cannot be cancelled. If it is overdue for a long time, the credit card will generate interest and there will be a high late fee. If it runs away, the bank will think it is a malicious overdraft and will call the police. The Regulations on Credit Management stipulates that the retention period of personal bad information collected by credit reporting agencies shall not exceed 5 years, counting from the date of termination of bad behavior or events. In the new report, the starting time of overdue information is set to 20 10 and 10 for two months, and only overdue records in the last five years are displayed.

Ways of timely compensation after overdue:

1. Continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.

2. If you can't repay on time due to unemployment or illness, state your financial situation and declare that you have no malice before the repayment deadline, you can apply for deferred repayment and interest concessions.

3. If you forget to repay because of your usual carelessness, you must repay in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.

Cardholders need to pay attention to their card habits, use cards reasonably and legally, and never use credit cards with malicious overdraft, otherwise it will violate the criminal law and constitute a crime.