Legal analysis: After a credit card is overdue, the overdue record will be submitted to the credit report. If it is overdue for 6 years, the overdue record will also be kept for 6 years. This kind of overdue record has formed a stain on the credit report. No matter what credit business the user applies for, it will not pass the review. And if you never repay, the overdue record will be kept. Only when the user settles the credit card debt, the overdue record will be deleted after 5 years, so that the user's credit report has the possibility of recovery.

Legal basis: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or regulations for the purpose of illegal possession. If the card is overdrafted within the time limit and is still not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

If any of the following circumstances occurs, it shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) Knowingly not possessing A large amount of overdraft due to the ability to repay the loan cannot be returned;

(2) The overdraft funds are squandered wantonly and cannot be returned;

(3) Escape, change contact information, and evade after overdraft Bank collection;

(4) Escape and transfer funds, conceal property, and evade repayment;

(5) Use overdraft funds to carry out illegal and criminal activities;

(6) Other behaviors of illegally possessing funds and refusing to return them.