If the credit card is overdue for the second time, you need to repay it on time and continue to use the card, and then use the new normal repayment record to overwrite the original negative record, which will generally occur after 24 months. New credit history.

If occasional overdue payments will not have a long-term impact on your credit rating, as long as you repay the money on time in the future, generally speaking, there will be basically no credit overdue records after 3-4 months. Two non-consecutive overdue credit card payments will have little impact on your credit record.