There are two situations. One is overdue for special reasons. Consumers can pay the balance first and then submit an application to the relevant bank. The bank will consider deleting the record as appropriate.

In another case, it is overdue for many times, and personal records have been reported to the People's Bank. Consumers can pay off the balance first, maintain a good credit record for two years, and then borrow money. General banks will record consumers' credit records in the past two years. If it is good, it will not affect the loan.