1. Bad record type: The elimination time of different types of bad records in the credit report is different. For example, ordinary credit card overdue records are usually automatically eliminated after 24 months, while serious overdue, arrears or default records may take longer.
2. Days overdue: Days overdue will also affect the elimination time. Generally speaking, the more days overdue, the longer the record will be deleted.
3. Borrowing amount: The borrowing amount will also affect the elimination time. If the loan amount is large, it may take longer to eliminate the relevant records.
To sum up, the elimination time of overdue credit records varies according to individual circumstances. Generally speaking, the overdue records of ordinary credit cards will be eliminated after 24 months, but serious overdue or default records may take longer. The number of overdue days and loan amount will also have an impact on the elimination time.
Extended data:
The time for eliminating overdue credit records shall be stipulated by the People's Bank of China according to the Interim Measures for the Administration of Basic Database of Personal Credit Information in People's Republic of China (PRC). According to this method, the personal credit information collection agency shall delete relevant records from the credit report in time after receiving the repayment of relevant debts by individuals or reaching the specified elimination time. However, the specific elimination time still depends on personal circumstances and relevant laws and regulations.
Please note that the information provided above is for reference only, and the actual situation may be different due to factors such as regions and regulations. If you want to know more detailed information, it is recommended to consult your local bank or credit reporting agency.