Generally, it takes half a year. If the bank still fails to pay back the debt after being called by the collection department, it will issue a lawyer's letter.

Repay it as early as possible. It is very serious if a credit card is overdue for more than six months. An individual's credit record at the People's Bank of China is divided into general overdue, three-month overdue, and six-month overdue. If you are overdue for more than six months, you will be directly blacklisted.

If you have just started to overdue, you can apply for another bank credit card while your credit record is not too bad, and then repay this credit card.

If this credit card is on the blacklist, make sure that other credit cards are used normally, otherwise it will be difficult to get out of the blacklist. Use the normal usage records of other credit cards to clear your credit record after five years.