A year ago, the credit card was overdue for three months; Applying for a car loan after one year will be affected to some extent, depending on the comprehensive evaluation of financial institutions;

Three months overdue has been included in the credit record, and it will take at least five years to automatically clear it;

Chapter III and Article 16 of the Regulations on the Administration of Credit Information Industry

① The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or event; More than 5 years, should be deleted.

(2) During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.

If it is not paid off, the bad record can be traced back once and then back to five years or forever.