Users who want to eliminate the bad overdue records of credit cards must pay off their overdue debts as soon as possible. After paying off the overdue debts, the overdue records will be kept in the credit information for 5 years, and will be automatically deleted after 5 years. If it is overdue for reasons other than my own, I can appeal to the bank and ask the bank to cancel the overdue record. Banks need to appeal to the Credit Information Center of the People's Bank of China, and the overdue records will be deleted immediately after the appeal is successful.

The above is the way to delete bad credit card records. If you claim that you can pay to delete overdue records, please be alert to such scams.