Credit card overdue records shall be kept in the central bank's credit information system for at least five years. It should be noted that these five years are calculated from the time when the cardholder pays off the arrears, not from the time when the borrower is overdue. So the credit card should be paid off as soon as possible after it is overdue. The following are the specific provisions on the retention period of overdue credit card records:

According to Article 16 in Chapter III of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Consequences of overdue

If the overdue amount of credit card users reaches 50,000 yuan, it is a malicious overdraft. In this case, once the bank sues, if the court decides that the cardholder is maliciously overdrawn, the overdue user will be punished as credit card fraud, and the cardholder may bear criminal responsibility.