According to my understanding, the handling of overdue credit card records is stipulated by different countries and banks. The following is the answer to this question:

1. Conclusion: According to the information provided, in the last 5 years, your credit card has been overdue for 13 months, of which 3 months have been overdue by more than 90 sky. Repayments have been in progress for a year and a half, and you need to wait 5 years to cancel these overdue records.

2. Detailed description:

a. Credit card overdue record: Overdue record refers to the failure to repay the credit card debt on time after the credit card bill due date. These overdue records will be recorded by the bank and may have a negative impact on an individual's credit rating.

b. Time limit for removing overdue records: According to general practice, from the date when overdue records occur, it is usually necessary to wait for a certain period of time before these records can be removed. The exact time limit varies by country and bank, but usually there is a wait of several years.

c. The impact of being overdue for more than 90 days: If it is overdue for more than 90 days, it will damage the credit rating more seriously. The longer you are delinquent, the longer it may take to restore your credit.

3. Summary: According to the information you provided, your credit card has been overdue for 13 months in the past 5 years, of which 3 months have been overdue for more than 90 days. Although repayments have been in progress for a year and a half, it usually takes five years to remove these overdue records. Make sure to pay off your credit card balances on time and maintain a good credit history to restore your credit rating.

4.

Extended information: The impact of overdue credit card records on personal credit ratings varies by country and bank. Overdue records will be reported to credit bureaus, which may lead to a decline in personal credit ratings, thus affecting future financial activities such as loans and credit card applications. Making timely repayments and avoiding overdue payments are important ways to maintain a good credit record. For specific credit card rules, please check with the relevant bank or read the terms and conditions in your credit card agreement.

The above are the answers to the questions you provided. I hope they can be helpful to you.