If you have an urgent need to buy a house, you can try to communicate with the bank first to see if the bank can bend the rules and get rid of your bad record, but if your previous overdue situation is serious, you can't get rid of it.
As far as I know, credit card records only show the last 24 months, and previous records are hard to find. So don't cancel your credit card after you have a bad record, and don't care if the bank urges you to cancel it in time.
What you need to do is to spend at least 1 yuan every month for the next 24 months and repay it on time, so that you can overwrite the previous bad record and regenerate a good record without affecting the subsequent credit.
I also want to remind you that when you use a credit card in the future, you must repay it on time, otherwise it will not only be a mortgage, but also a car loan. Now many companies begin to pay attention to personal credit records, and don't let their credit cards hinder the future.