After the credit card (debit card) is paid off overdue, the card will be cancelled, and the overdue record will be kept for 5 years from the date of settlement. After 5 years, overdue records will be automatically deleted by the credit information system. So, it's not what everyone understands. As long as the card is cancelled, the overdue record will be eliminated. On the contrary, credit cards (debit cards) have overdue records and continue to be used after being paid off. A good repayment record can cover the previous overdue records, which is conducive to applying for credit loan business.

Therefore, after the credit card (debit card) is paid off overdue, it is best not to cancel the card immediately, and continue to use it for a period of time to accumulate some normal repayment records.