Of course, overdue records cannot be eliminated, and old records can only be replaced by new good credit records. China Bank Credit Information System can only keep 24 months of credit information records, that is, overdue records two years ago are no longer recorded in the credit information report. If there are overdue records on the previous credit card report, don't cancel the card in a hurry, and continue to use it for a period of time until the last overdue record is more than two years, so that there is no overdue record on the credit report, which is also a disguised "elimination" of overdue records.