Based on the information you provided, if your Everbright credit card has been overdue for 13 times and has a credit limit of 0, canceling the credit card may be an option. After 24 months of depositing money for consumption, overdue records will not be automatically overwritten. The following is a detailed explanation of this issue:

1. Cancel your credit card: Since your credit card has been overdue for many times and has a limit of 0, the bank recommends that you cancel your credit card. Canceling a credit card means you no longer use the card and the corresponding account will be closed.

2. Retention of overdue records: According to information from Baidu, after canceling a credit card, overdue records will still be retained in your credit report. These records may have an impact on your future credit evaluation, such as applying for a loan, purchasing a home, etc.

3. 24 months after depositing money for consumption: 24 months after depositing money and swiping your card for consumption, overdue records will not be automatically overwritten or deleted. Even if you have used your credit card well during this period and made your payments on time, the previous delinquency will still appear on your credit report.

Summary: Saving money and spending it for a period of time will not cover your past overdue records. After canceling a credit card, overdue records may continue to remain on your credit report, which may have a certain impact on your future credit evaluation.

Extended information: It is recommended that you actively communicate with the bank and seek advice from professionals or credit management agencies. They can provide you with more specific and personalized advice to help you improve your credit profile and resolve related issues.