If it is a bad debt caused by an unpaid loan, you need to settle the debt first. Bad debt records will be automatically eliminated after 5 years from the date of settlement.

First of all, we should first understand what bad debts are (the reasons for bad debts: unpaid debts, overpayments, my experience only includes dealing with bad debts not caused by debts), and the impact of bad debts is What (bad debts are very serious, one bad debt is overdue 50 times, no bank will lend you a loan).

After understanding these two items, you should understand that this matter should be solved with a 12-point correct attitude. Find the card issuing bank. In most cases, bank cards with bad debt records are marked as "stop payment" in the system of the bank's headquarters.

This status means that the head office basically no longer has the authority to process this card, and each bank that has incurred bad debts will resolve it one by one. So you have to find the card-issuing branch.

1. To deal with bad debts, first settle the arrears. After the arrears in the account are settled, contact the bank or institution where the repayment was made to obtain a settlement certificate.

2. Then apply to process the bad debt status of the credit report. Generally, the customer service will submit the application for modification, which can be confirmed by phone after 1-3 working days, and then print the credit report after 15-20 days to check whether it is confirmed. Processed.

1. If it is a general bad debt situation, you must first pay off all the debts, and do not pay more. After paying off the debts, remember to cancel the account. This is exactly the opposite of a credit card. (Credit cards cannot be closed after they expire, and the checked records should be overwritten with good records.) If bad debts are not closed, the records will not be cleared.

2. Bad debts under special circumstances: The treatment methods for bad debts caused by premium payments are actually similar to those for general bad debts. The premise is that you only need to withdraw the excess amount and then cancel the account. alright.