Hello,\x0d\50,000 is overdue for one year, just pay it back. \x0d\\x0d\1. Each bank (even branches of the same bank) will have its own measurement standards for overdue processing. Because the credit reporting system of the People's Bank of China only serves as a reference for banks when extending credit, and is not a guideline. \x0d\The best way to eliminate bad records:\x0d\2. If a credit card is overdue, friends must actively take correct measures to save it. \x0d\The best way is to continue to use this card, maintain a good repayment record, and use new repayment records to cover the original negative records. Generally, the credit record will be updated after 24 months, so that no It will have a negative impact on your future credit behavior.