Long-term overdue credit cards will definitely be recorded in the credit report. In this case, you should have entered the credit card blacklist. Credit card blacklist refers to users who are overdue for a long time, have not paid back many times, and have cashed out illegally. , and has been listed as refusing credit by relevant banks. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years.