How long does it take for an overdue credit card to be reported to the credit report?

Legal analysis: When an overdue credit card is reported to the credit report, after the overdue credit card is processed, the overdue credit card record will be eliminated after five years. and must not be overdue again, otherwise the five-year period for each record is calculated individually. According to relevant legal provisions, the credit reporting agency's retention period for 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. The premise for deletion of bad records is that the bad behavior has been terminated. That is, in order for overdue credit card records to be deleted, the overdue credit card balances need to be paid back before they can be deleted after five years.

Legal basis: "Regulations of the People's Republic of China on the Administration of the Credit Reporting Industry" Article 16 The retention period of personal bad information by credit reporting agencies shall start from the date when the bad behavior is not eliminated or the incident is terminated 5 years; if it exceeds 5 years, it shall be deleted if it contains false information. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.