Under normal circumstances, if the credit card is overdue for reasons other than my own, such as the failure of repayment caused by the bank, or the failure of repayment caused by external force majeure factors, you can raise an objection to the central bank's credit information center after repayment, so that the bank can modify the credit information and resume the credit information in about 20 days at the earliest.

If the credit card is overdue for my own reasons, it will take five years to return to normal after repayment. Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that "the retention period of personal bad information by credit information institutions is five years from the date of termination of bad behavior or events, and it will be deleted after more than five years". It should be noted that if overdue records appear again after five years, the credit recovery time will be recalculated.

The solution of overdue credit card without repayment;

1. Use the delayed repayment service provided by the bank. If the funds can only be repaid in one or two days, you can use the bank's delayed repayment service. Banks generally have a 1-3-day delayed repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Apply for credit card installment or minimum repayment amount. If you don't have a credit card in the short term, you can consider applying for credit card installment or minimum repayment amount. Although these two methods have to pay certain interest to the bank, they also avoid bad credit records caused by overdue.

3. Effectively change the billing date. If it is expected that the repayment may not be possible at that time, you can apply to the bank to change the bill date before the bill comes out to extend the repayment period. Of course, the accounting date can't be changed. The details can only be confirmed by consulting the bank.

4. Find a friend or family member to borrow money for turnover, find a friend or family member for turnover, borrow some money to pay back the credit card first, and then pay back more money.

Article 196 of the Criminal Law: in any of the following circumstances, credit card fraud is committed, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate.

(2) using an invalid credit card.

(3) fraudulently using another person's credit card.

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.