Five years later. According to the query on Hualu.com, after a credit card is overdue, the overdue record on the credit report will be automatically cleared after five years from the date the borrower repays the overdue amount. If the overdue credit card is not processed, the overdue record will always be retained in the credit report. The overdue record on the credit card will not be eliminated because the user cancels the credit card. After the overdue credit card is paid off, even if the user cancels the credit card, the overdue record will remain. It will still remain on the credit report and will be automatically removed after five years. If the overdue date is not caused by the user (such as a credit card applied for under a false name), the user can keep the relevant evidence and go to the credit card issuing bank to fill in the objection application form. Generally, the bank will give a reply within 20 working days. If the situation is verified to be true, the bank will The user's credit report will be restored manually.