1. Assume that overdue records are not included in the credit report

Every month the bank will report the credit information of the cardholder to the central bank. On the last day of principal and interest repayment , generally banks will have a grace period of 2 to 3 days in case customers fail to repay in time due to accidents, and the bank can repay the debt before the bank has reported the bad records to the central bank. If this implicit grace period has expired, you must contact the bank promptly to explain the reason and say that it will be repaid as soon as possible. If you have a good credit record in the past, banks will generally be lenient. The attitude of communication should be sincere and the reasons should be sufficient. Then just repay it as soon as possible. If there is not enough repayment amount, you can repay the minimum repayment amount first, or apply for installment payment.

2. Assume that the credit report has expired records

If it is caused by no malicious circumstances, you can complain to the card issuing bank. If the card usage record is good in the past, the card issuing bank will issue a Prove that there is no malicious intent to overdue, and the overdue record will be cancelled. Which situation is not malicious? One is that others have stolen your identity to apply for a card, loan or swipe a credit card, resulting in an overdue credit card. Another situation is overdue due to annual fees, such as a company collectively applying for a card without the parties knowing about it, resulting in overdue payment. Or other overdue due to bank reasons. If you really can't eliminate overdue records, don't force it, and don't trust those methods that take the time to record overdue records.

3. If the overdue card is confirmed and cannot be eliminated

If the overdue card is indeed your fault, you will never be able to cancel the card. You must continue to pay back the money and continue to use the card. Ordinary bank inquiry credit records include 2 years of details and overdue records within 5 years. Under normal circumstances, banks base their loan approval on detailed and overdue records within 2 years, while overdue records within 5 years are only used as a reference. If the card can be used continuously for more than 24 months, the card usage record will be continuously updated. Although the overdue record will still exist, the nature of this overdue will be less serious than the overdue record of the card being suspended or canceled due to non-repayment. has declined. If you cancel the card out of anger or refuse to pay back the money, this record will follow your credit record for 5 years.