If the bad credit record or bank record error is not caused by yourself, filing a personal credit objection application will generally eliminate the bad credit record.

If you have a bad credit record due to credit card repayments or annual fees, etc., as long as you are sincere and proactively contact the bank customer service, explain the reasons and take appropriate remedial measures, the bank customer service will usually help the cardholder. Eliminate bad credit history. Because credit records are first recorded by ordinary banks and then reported to the central bank. However, you need to grasp the time during this process. Generally, if the credit card is overdue, it is best not to exceed 90 days. If it exceeds this period, it may be reported to the central bank's personal credit system database.

If the bad credit record has entered the central bank's personal credit reporting system database, but the personal negative credit record is due to the bank's fault, you can communicate with the bank, or the bank can issue relevant instructions to the central bank. You can also take the initiative to request the central bank to make corrections with the bank's certification materials.

If you have objections to the credit record itself, you can present a copy of your valid personal ID and authorize others in person or in writing to fill in the objection application form at the Credit Information Service Center of the People's Bank of China or a local branch to submit an application. An investigation and evidence collection will be conducted, and if errors are found, the credit record will be corrected based on the application and investigation results.

If it is indeed not the cardholder’s fault, has been misappropriated by others, or is caused by the bank, you can file an objection with the bank, which may be eliminated after processing.