1, as long as there is overdue repayment, it has already affected your personal credit history. Once personal credit is bad, it will affect many aspects of you, including personal loans and applying for credit cards from other banks.

2. If the bad record is not caused by the bank, it cannot be revoked manually.

3. Personal loans overdue's bad record will exist forever.

4. Bad records caused by overdue repayment of credit cards can be covered within 24 months after normal repayment. Only the repayment records of the credit card in the last 24 months are kept, but the card will be cancelled after the arrears are settled, and the overdue records will exist forever.

It is suggested not to cancel the card after clearing the arrears, but to cover the overdue record with a good record of timely repayment. (There may be a lag in system update, which may be delayed by 2-3 months).