As we all know, overdue credit cards will leave a bad credit record on the credit report, and it will be eliminated after five years. Many friends don't know how to calculate this five-year elimination, and whether they can apply for other credit cards before the bad records are eliminated. Let's take a look. 1. how is the five-year elimination of bad records calculated? The elimination of bad records in five years is conditional, that is, the overdue debts must be paid off, otherwise it may not be eliminated even after five years. From the day when the arrears are paid off, it will be pushed back for five years, that is to say, the repayment date after five years is the time to really eliminate the bad records. For example, if Xiao Li's credit card is overdue and reported to the central bank's credit information system by the bank on May 31, 219, leaving a bad credit record on the credit information report, and he only pays off the overdue credit card on June 2, 219, it will be five years from June 2, 224, that is, the time to eliminate the bad credit record.

2. Can I still apply for a credit card before the bad record is eliminated? Many card friends may say that it will take five years to get rid of bad records. If you pay off the overdue debts, will it affect if you want to apply for a credit card within five years? This influence is definitely there. After all, all credit cards require good credit, but it doesn't mean that credit cards can't be processed before bad credit records are eliminated. This depends on how the bank determines the overdue credit information. Under normal circumstances, banks will judge whether they are maliciously overdue by the length of overdue time, as well as the overdue amount and personal cash flow to judge whether they have repayment ability. Usually, within two years, the number of overdue times has not reached three consecutive times, and the overdue amount is small, and the bank will not be killed with a stick. The above is the relevant introduction of "How to calculate the five-year elimination of bad records". In short, the elimination of bad credit records of credit cards for five years is counted from the day when the debts are paid off, and credit cards can be handled before the bad records are eliminated. As for whether the cards can be approved or not, it depends on how the bank determines the overdue credit information.