After the overdue record of credit card (debit card) was generated, some citizens decided to pay off their debts immediately and cancel their cards at the same time, so there was no overdue record? It is understood that at present, the credit card (debit card) transaction records in the personal credit report provided by the credit information system all have "repayment records in the last 24 months", that is, the credit card (debit card) records only show the repayment in the last 24 months, and will not be recorded after this time limit.

This means that citizens with overdue credit cards (debit cards) should repay their credit cards (debit cards) on time and cover their overdue records with new credit records. After 24 months of normal repayment, the overdue record of credit card (debit card) will be overwritten.

In addition, the financial advisor suggested that repayment should be made on time to avoid overdue records of credit cards (debit cards). If the financial pressure is high, you can choose credit card (debit card) to repay in installments, which not only relieves the pressure but also buffers the time; If you can't pay in installments, choose the minimum repayment amount. According to the requirements of the bank, as long as you pay 10% of the bill amount every month, there will be no overdue records, but you have to pay an extra five ten thousandths of interest every day and you can't enjoy the interest-free price.