1. In the past five years, credit cards have been overdue for four months. This means that the cardholder fails to repay on time in some months, resulting in overdue records.

2. according to the regulations, if the credit card is overdue for more than 9 days, it will be cancelled. However, in this case, the overdue time does not reach 9 days, so the credit card will not be cancelled.

3. Overdue records will have a negative impact on the credit rating of cardholders. Even if it is less than 9 days overdue, it will be recorded in the credit report, which may reduce the success rate of applying for credit products in the future.

conclusion: although the credit card has an overdue record in the past five years, it will not be cancelled because it has not reached the maximum overdue period of 9 days. However, these overdue records will still have a certain impact on the credit rating of cardholders.

Extended information: Late repayment means that the credit card holder fails to repay the due amount before the bill deadline. Overdue records will have a negative impact on personal credit rating and credit report, thus affecting the success rate of applying for financial services such as loans and credit products in the future. Therefore, timely repayment is an important part of maintaining a good credit record.