Is the credit card overdue repayment card correct?

It is inevitable that the credit card will be forgotten. But what should the cardholder do after the deadline? Should I continue to hold the card, ignore the existence of overdue records, or do the card processing, and the credit card that generated the overdue record is one hundred?

The credit report generally shows the party's repayment history for the last 24 months. Over time, when the arrears have been paid off, the new credit history will overwrite the old ones, and the long-term bad credit history will be automatically eliminated. But if it is just a sales card, it is not a credit record, but the card is stopped. If the card is processed while the arrears still exist, the bad credit will stay on the credit report forever. Therefore, it is not a wise move to sell a card. It is only a good habit to pay off the debt and develop a good habit of paying back on time.