Jiufuwanka is five years overdue, and I haven't received the credit report yet. I can pay it back after two years' delay.
You can't. The overdue repayment of Jiufuwanka will have a negative impact on the credit status. Even if the overdue records are not reported to the credit bureau, banks and financial institutions will pay attention to your repayment records when applying for loans or credit cards. Long-term overdue repayment will affect the approval of future applications for loans or credit cards.