If your credit card is overdue for a long time, it will definitely be recorded in your credit report. In this case, you should be on the blacklist of your credit card. Credit card blacklist refers to users who have been overdue for a long time, failed to repay due to repeated reminders, illegally cashed out, etc., and have been included in the credit card denial list by the relevant banks. Blacklist data will be retained in the central bank's personal credit reporting system for five years, and particularly serious and obviously malicious negative information such as bankruptcy will be retained for ten years.