According to relevant regulations in China, overdue credit cards will be subject to a credit report, and the time to eliminate them depends on the overdue situation. Generally speaking, credit cards that are overdue for more than 30 days will be reported to credit bureaus, which will have an impact on personal credit records. The specific elimination time needs to be judged based on the number of overdue days and repayment status.

1. If the credit card is overdue for more than 30 days, a credit report will be held at the meeting: 30 days overdue has exceeded the credit card repayment period, and the bank will report the overdue record to the credit reporting agency. This record will leave a mark on the individual's credit report and have a negative impact on the credit rating.

2. The elimination time depends on the overdue situation: the records generated by the overdue credit card will not exist permanently, but will have a certain elimination time. This elimination time depends on the number of days past due and the individual's repayment status.

- For minor overdue items (30-59 days), if the overdue amount is paid off within this period, the overdue record will generally be eliminated from the next month's credit report.

- For longer-term overdues (more than 60 days), the elimination time of the overdue record may be longer, and it usually requires maintaining a good repayment record for several months or more in the future to finally eliminate it Overdue records.

3. Users can query big credit data through Qingquan Kuaicha: For specific personal credit records and elimination times, it is recommended that users use China’s credit query platforms, such as Qingquan Kuaicha, etc., to query their own credit reports and related information. These platforms can provide accurate credit status and personal credit records, help users understand their credit status, and keep track of the elimination of overdue records.

Summary: Credit cards that are overdue for more than 30 days will be subject to a credit report, and the elimination time will depend on the number of days overdue and the repayment status. Minor delinquencies are generally cleared within the next month, while longer term delinquencies may take months or longer to clear. Users can learn about their credit status through credit inquiry platforms such as Qingquan Kuaicha.

Extended information: Overdue credit card repayments will have a negative impact on personal credit records, including personal loans, credit card applications, and other credit ratings. Therefore, timely repayment is an important factor in maintaining a good credit record, and avoiding late repayments is a basic requirement for maintaining personal credit.

Please note that the information provided above is for reference only. The specific elimination time may vary depending on personal credit records and changes in related policies. It is recommended that users understand relevant policies and check their own credit in a timely manner. Report to accurately understand your personal credit status.