detailed description:

1. The credit card overdue record is a part of the credit information system, which records the repayment of personal credit cards. Overdue records have a negative impact on personal credit evaluation.

2. Although the card is paid off and cancelled after the deadline, the records in the credit information system will not be deleted immediately, but will be kept for a certain period of time. The specific retention time varies according to the policies of each bank and the regulations of the People's Bank of China.

3. According to the relevant regulations of the People's Bank of China, credit card overdue records are usually kept in the credit information system for about 5 years. This means that even if the overdue payment is paid off and the card is cancelled, the corresponding records will still be kept in the credit information system for a period of time.

4. If an individual applies for financial services such as loans and credit cards in the future, this overdue record may have an impact on the approval results. Banks will refer to the overdue records in the credit report when evaluating personal credit.

5. Individuals can know their credit status by inquiring personal credit report, and can also provide credit report to the bank to prove their repayment ability and credit status when necessary.

Summary:

Even if the credit card is paid off and cancelled after it is overdue, its record will still be kept in the credit information system for a certain period of time, usually about 5 years. These overdue records may have an impact on an individual's future financial application, so it is very important to pay off the arrears in time and maintain a good credit record.

Extended information:

Personal credit is one of the important evaluation indicators in the financial industry. Personal credit evaluation mainly depends on the credit information system. The credit information system is managed by the People's Bank of China, which records personal credit information, including loans, credit cards, overdue and so on. Banks and other financial institutions often refer to personal credit reports when deciding whether to provide financial services. Therefore, maintaining a good credit record is very important for personal financial activities.

please note: the above information is based on common sense and experience, and not specific to everyone. For detailed personal credit problems and the specific contents of the credit report, it is recommended to consult relevant professional institutions or banks.