Bad credit card overdue records will be eliminated after 5 years. Users say that after all overdue debts are paid off, the overdue bad records on credit information will generally be kept for 5 years before being deleted by the system. Overdue records cannot be deleted manually. If the user is overdue, the record of overdue arrears will always be kept in the credit information, and even serious bad information such as "three times and six times" will appear.

If there are overdue bad records, users can't handle new loan business in a short time. The general credit approval mainly inquires about the credit information of customer service in recent two years.