Credit card overdue records will be recorded by the central bank's credit information system for 2 years. That is to say, if the credit card user normally uses the credit card within 2 years and there is no new overdue record, the old overdue record of the user will be eliminated after 2 years.
Note: this old credit card overdue record will be kept for a long time, and this record will not be eliminated.
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident. If it is more than 5 years, the overdue records shall be deleted.
During these five years, other banks will inquire about this user's overdue letter record. At this time, it is best for borrowers to pay off their debts in time and maintain their credit information in the next five years without overdue behavior.
As long as the money is returned, it can be lifted from the list of untrustworthy. The people's court shall delete the relevant information from the list of the person subjected to dishonesty in any of the following circumstances:
1, all obligations stipulated in the effective legal documents have been fulfilled;
2. Reach an execution settlement agreement with the application executor, and the application executor confirms that the performance has been completed;
3. The people's court ruled to terminate the execution according to law.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: Article 10 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"
In any of the following circumstances, the people's court shall delete the untrustworthy information within three working days:
(a) the person subjected to execution has fulfilled the obligations specified in the effective legal documents or the people's court has completed the execution;
(2) The parties have reached an execution settlement agreement, which has been fulfilled;
(3) The application executor applies in writing to delete the untrustworthy information, and the people's court examines and agrees;
(4) After the execution of the program, the property of the person subjected to execution is inquired twice or more through the network execution inspection and control system, and no property available for execution is found, and the applicant for execution or other people fail to provide effective property clues;
(5) The person subjected to execution for breach of trust who has been ordered by the people's court to suspend execution according to law due to trial supervision or bankruptcy proceedings;
(six) the people's court ruled not to execute according to law;
(seven) the people's court ruled to terminate the execution according to law.