Generally speaking, if the payment is overdue for more than 90 days, it will be registered in the credit information system by the bank. Once in the credit information system, the landlord's overdue record will be kept for five years, and this bad record will always follow the landlord for five years. If the landlord has not been cancelled by the bank after paying off the debt, the landlord can continue to use this credit card and maintain a good repayment record during this period, then the bad record in the past may be overwritten. That's all I know. I hope my answer.