This situation will recover in 5 years.

According to the provisions of the "Regulations on the Administration of the Credit Reporting Industry", the retention period of personal bad information is 5 years from the date of termination of the bad behavior or event. If it exceeds 5 years, it shall be deleted. After a credit card payment is overdue, if you pay off the balance, you need to maintain a record of on-time payment for five years before it returns to normal.

If there are overdue records again in the past five years, the calculation will be recalculated.