Negative information such as overdue credit card payments will be recorded on an individual’s credit report.

Negative information such as late repayments is not permanently recorded in an individual’s credit report. my country’s current credit record retention period is five years. After paying off the credit card debt, anyone can start over to establish a credit record and start all over again

If the principal amount of the debt reaches more than 10,000 and it has been collected for more than 3 months by the card-issuing bank twice. If the money is still not returned after 3 months, it will be deemed as a "malicious overdraft" under the criminal law, suspected of credit card fraud, and will be sentenced to fixed-term imprisonment of not more than five years or criminal detention according to law, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.