Hello: Although the credit card debt has been paid off, the bank will adjust the status of the credit card account to bad debt after the previous credit card is overdue for a certain period of time. You can now ask the bank to adjust the status of the credit card account to normal; Or go to the People's Bank to check the personal credit report and see the status of the credit card account. If it is also a bad debt, you can also file an objection and apply for adjustment to the normal state. The appearance of bad debts in credit reports has a great negative impact on credit reporting.