If the money you owe has been paid off, your credit will gradually recover. If the overdue time is not long, only once, then after paying off, the credit will gradually get better. However, if it is overdue for a long time, or it is overdue for many times, even if it is paid off, the credit investigation may not be fully restored.

If you feel that the overdue record is not your fault, you can appeal to the Credit Information Center of the People's Bank of China. As long as they verify, this bad record may be revoked.

After the credit card is overdue, don't cancel it immediately after paying off the debt. Continue to use it and repay it on time, so that within two years, good records can cover the previous overdue records.

Also, don't apply for loans frequently. Although this will not lead to overdue records, the bank may think that you are short of money and your repayment ability needs to be evaluated.

Finally, if there is a bad record in the credit report and it is not your fault, then you may have to wait five years to get rid of this record. At the same time, maintain a good credit record.