The record of a credit card will be deleted after five years of overdue date. The details are as follows:

1. After a credit card is overdue, the overdue record on the credit report will be automatically cleared after five years from the date the borrower pays off the overdue amount.

2. If the overdue credit card is not processed, the overdue record will always be retained in the credit report.

3. The overdue record of the credit card will not be eliminated because the user cancels the credit card. After the overdue credit card is paid off, even if the user cancels the credit card, the overdue record will still be retained in the credit report. It takes five years to It will be automatically eliminated after several years.

4. If the overdue date is not caused by the user (such as a credit card issued under a false name), the user can keep the relevant evidence and go to the credit card issuing bank to fill in the objection application form. Generally, the bank will give the request within 20 working days. If the situation is verified to be true, the bank will manually restore the user's credit report.

Of course, there is a grace period for credit card repayments. Generally, repayment within 3 days of overdue payment will not be considered overdue, nor will it affect the user's credit report.