If a credit card has not been repaid for two years, the overdue bad records have been reported to the credit reporting center. The first thing to do is to pay off the debt. The bad records will not be eliminated until 5 years after the debt is paid off. If it is not convenient to pay off the bill in full, please pay at least the minimum payment amount on time. If you cannot pay off the balance at once, you can apply to the bank for installment payment.