Bad credit records of credit cards (debit cards) are generally reported to the central bank's credit information system due to overdue and other irregularities during use. This bad credit record will be kept for up to five years, but banks will generally refer to the last two years, and if they perform well during this period, they can apply for cancellation. If there is a bad record, they will always keep it.

If you want to eliminate the bad record of credit card (debit card), you can do this:

1. Pay off the arrears in time and keep the repayment within 24 months;

2. Don't cancel the card at will, which will cause bad records to be kept all the time.

Generally speaking, before the above two points are reached, bad credit records will be overwritten by new records.