If the overdue record of the user's credit card is credited to the credit, after settlement, the record will be kept in the credit for 5 years from the date of settlement, and will be automatically deleted after 5 years.

If the user fails to settle the overdue record, the overdue record will remain in the credit information, and the system will not automatically delete it, which will form a credit information stain for a long time and have a great adverse impact on personal credit information.