The bad record of overdue repayment of Minsheng Bank's credit card will not be automatically eliminated in the short term. After the money needs to be returned, the credit information will be well maintained, and the original bad information will be covered by the credit information after five years.

The Regulations on the Administration of Credit Information Industry stipulates that:

1. The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

2. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis, which cannot be tampered with. The bank will not make any bad comments on the usage records, but only truthfully feedback the historical usage records without making any subjective judgments. If you apply for loan business in the future, the loan bank will comprehensively refer to your credit record, not only for a certain period, but also for a good record of consumption and repayment, which will continuously increase credit.

3. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.