After 4 months overdue, the account should have been frozen and cannot be used. You can try to apply for another bank's credit card, use the card reasonably, repay the loan on time, and accumulate credit continuously.

The People's Bank of China stipulates that the "Regulations on the Administration of Credit Information Industry" stipulates that the retention period of personal bad information of credit reporting institutions is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted.