1. After the overdue credit card records are uploaded to the central bank's credit information system, active elimination is not supported. Generally, it will be automatically eliminated after 5 years.
2. If you want to apply for a credit card or loan during this period, you need to continue to use credit cards or other loans, and it will take 2 years to cover the overdue records with a good credit record.
3. If the overdue record of the credit card is not caused by your own reasons, you can go to the bank to issue a "non-malicious overdue" certificate.