In general, in your case, you should keep this credit card after paying it off, and it can be eliminated after 2 years of normal use. Because the credit report only shows that it is overdue for 24 months and will be covered after 2 years.

Unlike loans, credit cards have "cumulative overdue times/longest overdue period" in the personal credit information system. That is to say, if you are in loans overdue, after a long time, you can still see how many times you are overdue and how long you are overdue. But there is no credit card. There is only one "maximum debt" and the repayment record of nearly 24 months. Many people will cancel their credit cards after they expire. That bad record has always been there, but they can't cancel the card. Continue to use it after overdue repayment, and use good records to erase the bad records for 24 months, and that's all.

Cancellation process (good records should be kept for 24 months):

1. Submit personal data → query personal credit report;

2. Put forward personal credit objection → bank application objection;

3. Fill in the personal credit report objection application form → then the commercial bank submits a "corrected personal credit report";

4. Wait for the personal credit report objection reply from the credit reporting department. If there is no problem, it can be cleared within 5 working days.