The overdue records in three cases can be eliminated.

Overdue records will adversely affect personal credit life such as loans. According to statistics, most overdue records are generated by credit cards. There are three kinds of overdue records that can be eliminated. Let's get to know each other.

1. If the annual fee is caused by carelessness, you can explain the reason to the bank after the payment, let the bank issue a credit report, and you can cancel the overdue credit report as appropriate.

2. If you don't pay off the bill on time because of credit card consumption, you will definitely have overdue records. After paying off the debt, keep a good credit card record for 24 consecutive months. Generally speaking, banks only pay attention to the credit records of the last 24 months. If there is no bad record for 24 months, it will not have much impact. However, the overdue record of personal credit information will be cleared automatically after 5 years.

3. Under normal circumstances, when the credit card is in arrears 1-2 billing cycles, the bank will notify the cardholder to repay as soon as possible by means of bills, text messages and telephone calls. If you can prove that you have not received the notice from the bank, the cardholder can ask the bank to cancel the overdue credit record on the premise of paying off the arrears. Of course, if the cardholder changes his mobile phone number without receiving the notice, the overdue record cannot be revoked.