According to the regulations of China Credit Information Sharing Platform, the credit card is overdue for 20 12 years 13 times, and the bad record will be automatically deleted after 6 years.

Detailed description:

1. Credit card overdue record: refers to the behavior that the cardholder fails to repay the credit card arrears on time.

2. Overdue times: indicates the overdue times of the credit card within a certain period of time.

3. Bad record deletion period: According to the regulations of China Credit Information Sharing Platform, overdue credit card records will be automatically deleted after 6 years.

Summary:

According to the above information, bad credit cards overdue for 20 12 13 times will be automatically deleted after 6 years.

Extended data:

Credit card overdue records have an important impact on personal credit evaluation and loan application. Cardholders should try their best to avoid overdue credit cards and maintain a good credit record. If there is overdue, it is an effective way to maintain personal credit to pay off the arrears in time and communicate with the bank to solve them.

Note: The above answers are only based on the information provided. If there are other circumstances or changes, please adjust as appropriate.