Detailed description:

1. According to the regulations issued by China Banking Regulatory Commission, even if the credit card is overdue for only 4 days, it will generate overdue records.

2. Overdue records will be submitted to the personal credit information system, which will have a negative impact on personal credit rating.

3. The overdue records of credit cards will remain in the personal credit information system, which may affect future credit applications and loans.

4. Due to the laws of our country, the overdue credit card will not be automatically eliminated if it is overdue for 4 days, and a good credit record can only be restored after the overdue payment and the corresponding penalty interest are paid off.

Summary:

Four days overdue can not eliminate the overdue records of credit cards, because our country's laws stipulate that overdue records will continue to exist, which will have a negative impact on personal credit rating. In order to avoid credit damage, you should repay the credit card arrears in time and abide by the credit card usage regulations.

Extended data:

According to the Regulations on the Administration of Credit Information Industry in People's Republic of China (PRC), banks, non-bank credit information institutions and other financial institutions must submit personal credit, guarantee and other information to the personal credit information system. Overdue records will be kept in the personal credit information system for a period of time, and will have an impact on personal credit rating. Therefore, even if the credit card is only overdue for 4 days, the corresponding overdue record will be generated.

It is worth noting that the overdue records are not permanent, and once the overdue funds are paid off and wait for a certain period of time, the credit records may be gradually restored. However, this needs to be determined according to the specific situation, so as to maintain a good credit record and avoid adverse credit impact.