Overdue credit cards will be eliminated after a certain period of time. The specific time depends on the number of days overdue and the regulations of the credit card issuing bank.

Under normal circumstances, the process for handling overdue credit cards is as follows:

1. Overdue for less than 30 days: the bank will remind you of repayment through phone calls, text messages, emails, etc. At this point, overdue payments will not have a serious impact on your credit history, but you still need to repay as soon as possible to avoid late fees.

2. Overdue for more than 30 days: Banks will report overdue records to personal credit reporting agencies, such as the People's Bank of China Personal Credit Information Basic Database. At this time, overdue payments will have a negative impact on your credit history and may lead to a decline in your personal credit score.

3. Overdue for more than 90 days: The bank may take further measures, such as outsourcing collection, legal proceedings, etc. to recover the arrears. Being overdue for more than 90 days will seriously damage your personal credit record, and your repayment ability and credit score will be seriously affected.

To sum up, overdue credit cards will be processed according to the number of days overdue and the bank's regulations. Generally, there will be no big impact if the credit is overdue within 30 days. If it is overdue for 30 days, it will have a negative impact on your personal credit record. If it is overdue for 90 days, it will seriously damage your personal credit record.

Extended information:

1. Overdue records have a greater impact on personal credit, which may lead to a decline in credit scores, which in turn affects an individual's ability to apply for loans, credit cards and other financial products.

2. To avoid credit card overdue, you can ensure on-time repayment through reasonable spending planning, alarm clock reminders, etc.

3. If you are unable to repay on time due to special circumstances, it is recommended to contact the credit card issuing bank in time and try to negotiate an extension of repayment or formulate a repayment plan to avoid the impact of overdue payment.

The above is the answer to how long it will take for an overdue credit card to be eliminated. The handling of overdue items is related to the bank's regulations. If it exceeds 30 days, it will have a negative impact on the personal credit record, and if it exceeds 90 days, it will seriously damage the personal credit record. In order to maintain a good credit record, it is recommended to avoid overdue credit cards and contact the bank promptly to resolve repayment issues.