Yes, bad credit history is usually covered after two years.

The details are as follows:

1. The credit card is overdue for more than one year and has been paid off: First of all, you have paid off the overdue credit card balance, which is a positive behavior.

2. No longer use the credit card if the amount is not large: Secondly, even if the amount owed is not large, you decide not to use this credit card again, which will help avoid the risk of overdue payment again.

3. Bad records will be covered after two years: Under normal circumstances, overdue credit card records will be covered after two years. This means that if your credit card has been paid off and no other adverse events have occurred, your credit record will no longer show the corresponding overdue record after two years.

Summary:

According to normal circumstances, your credit card overdue record will be overwritten after two years. However, please note that this only covers coverage for overdue credit cards; other bad credit behavior may have long-term effects on your credit history. Therefore, maintaining a good credit record and proactive debt management remain important.

Extended information:

Personal credit records are mainly managed by the Credit Reference Center of the People's Bank of China. Late credit card payments will have a negative impact on your credit history, causing your credit score to drop. Typically, overdue records are overwritten within two years and no longer appear on a person's credit report. However, some financial institutions may keep records in the system for a longer period of time, so good credit performance will need to be maintained before disappearing completely after two years.

Please note that the above answers are based on general credit record management regulations. The specific situation may vary depending on different financial institutions and credit record agencies. If there are other special circumstances or additional factors, please consult the relevant financial institution or credit reference center for more accurate information.