1. There is no way to eliminate it. It is caused by the cardholder's own fault, and the record can only be eliminated after the fifth year of repayment. If the credit card can still be used, you can continue to use the card and maintain a good repayment record for 2 years, which can cover part of the overdue record.

2. Credit cards have a fixed billing date every month, and 20 days after the billing date is the final repayment date. If the repayment is made in full and on time, the consumption will enjoy an interest-free period. If the repayment is not made in full and on time, interest will be accrued on the consumption at a rate of 5/10,000ths per day from the date of entry into the account until it is paid off.

3. China Construction Bank has a repayment grace period service, which does not require application. That is, as long as you repay within 5 days of the final payment date, they will still count you as repaying on time. For example, the 22nd is the final repayment day, and the repayment arrives on the 27th. As long as the payment is made in full, the current consumption will still enjoy the interest-free period. If the minimum repayment amount is paid during this period, no late payment fees will be incurred, but interest will be charged on the full amount of 0.05% per day from the date of entry into the account.