According to China's relevant regulations, if a credit card (debit card) is overdue for 4 days, it will be reported to the personal credit information system. To cancel overdue credit card records, you should pay attention to the following points:

1. Timely repayment: pay off overdue funds as soon as possible, and ensure timely repayment in the future to avoid new overdue records.

2. Automatic release after waiting time: overdue records are usually released automatically after a period of time, depending on the policies and regulations of banks and credit reporting agencies. Under normal circumstances, overdue records will be automatically released within 6 months to 2 years.

3. Establish good credit: In addition to canceling overdue records, it is suggested to gradually improve personal credit rating by maintaining good credit behaviors, such as timely repayment and low credit card utilization rate.

Summary:

Credit card (debit card) will be reported to the personal credit information system after 4 days overdue. The time to cancel overdue records depends on the policies and regulations of banks and credit reporting agencies, and generally takes 6 months to 2 years. Timely repayment and good credit behavior are important measures, which are helpful to gradually restore personal credit.

Extended data:

The personal credit information system is maintained and managed by China's credit reporting agencies to record personal credit information. Overdue records will have a negative impact on personal credit rating, which may affect future credit lending and housing loans. Therefore, it is very important to maintain a good credit record.