The time for expiration of overdue account records in China depends on the specific circumstances, and a fixed time cannot be given. The following is a detailed explanation of the conclusions drawn:

1. Credit card overdue: The elimination time of credit card overdue is mainly related to the policy of the bank or credit card institution. Under normal circumstances, overdue records will be reported to the Personal Credit Information Infrastructure of the People's Bank of China after they occur. According to the Credit Information Management Measures, credit records will generally be kept for 5 years, but during this period, overdue records and subsequent repayments will be continuously updated. If you pay off the overdue amount in time and maintain a good credit record within a period of time after the overdue payment, the bank or credit card institution will gradually improve your personal credit rating based on your personal credit performance, and the negative impact of the overdue record will gradually weaken.

2. Loan overdue: The elimination time of loan overdue is also related to the policy of the borrowing institution. Under normal circumstances, overdue records will be reported to the personal credit information infrastructure and kept for a certain period of time. According to the "Personal Credit Information Infrastructure Management Measures", the retention period of overdue records is 5 years. During this period, paying off overdue amounts in a timely manner and maintaining a good credit record are the keys to improving personal credit. Over time, the negative impact of overdue records diminishes, while an individual's repayment performance also affects credit scores.

3. Other overdue records: In addition to credit cards and loans, there is no fixed time for the elimination of other overdue records (such as utility bills, mobile phone bills, etc.). Under normal circumstances, these overdue records will also be reported to the personal credit information infrastructure and kept for a certain period of time. An individual's repayment status and credit history play an important role in eliminating overdue records. Pay off overdue bills in a timely manner and maintain a good credit record, which can gradually reduce the negative impact of overdue records on your personal credit.

In short, the time it takes for overdue account records to be eliminated in China varies depending on the borrowing institution and the type of overdue account. Under normal circumstances, overdue records will be kept in the personal credit information infrastructure for a certain period of time (such as 5 years), but individuals who pay off overdue amounts in a timely manner and maintain a good credit record can gradually reduce the negative impact of overdue records on personal credit. Therefore, it is recommended that everyone develop good repayment habits to avoid overdue situations.

Extended information:

According to the "Personal Credit Information Infrastructure Management Measures" issued by the People's Bank of China (PBOC), default information is mainly kept for 5 years. Overdue repayment records will be divided into four categories according to the overdue duration, and a hierarchical management method will be adopted. The more serious the overdue credit record will be, the greater the negative impact on personal credit scores will be.

According to the "Regulations on the Management of the Credit Reporting Industry", overdue information records can only be stored in the Credit Reporting Industry Management System of the People's Bank of China for five years, so the overdue information will be automatically eliminated after five years. However, during this period, overdue records may have a negative impact on personal credit scores and credit ratings, affecting applications for personal loans, credit cards and other credit services. Therefore, it is important to repay overdue amounts promptly and maintain a good credit history.