5 years. It will take 5 years to completely eliminate bad credit card records, but personal credit records in the credit reporting system are updated every 2 years. If you have a bad credit record, you can repay it normally within two years from the date of the bad behavior. This record will be overwritten by the new record. However, it is still recommended that you maintain good credit card usage habits and try not to affect your personal credit report.

Will there be any bad records if a credit card is overdue for three days?

If the credit card issuer sets a repayment grace period, and the repayment grace period is more than 3 days, repayment for more than 3 days will not be considered overdue, and no bad credit record will be generated.

If the credit card issuer does not set a grace period for repayment, as long as the debt is not paid off on time after the repayment date, it will be considered overdue and the bank will upload the overdue record to the cardholder's personal credit system. , bad records will be generated. Overdue stains in the personal credit system will affect loan and credit card applications. In serious cases, they will be included in the credit blacklist, which will have an impact on other daily lives of users.