If you want to eliminate your credit report if your credit card is overdue, you need to develop good repayment habits and use subsequent good repayment records to restore your "credit". After a cardholder discovers that his or her credit card is overdue and has a credit report, he must pay off all outstanding debts in a timely manner and then use the credit card continuously for 5 years.

1. Non-malicious debts

Most people are overdue, often because other expenses other than normal repayments have not been repaid. For example: annual fees, interest, late fees and other expenses that are relatively little attention and difficult to calculate. Some even cancel their credit cards only to be informed that the charge has been overdue many times.

When this happens, the cardholder’s first priority is to pay off the debt in full, and appeal to the card-issuing bank that the debt is not a personal malicious debt. After explaining the reasons, there is a certain chance that the debt will be eliminated. Poor past due record.

2. The bank's active negligence

Sometimes the overdue payment is not entirely the individual's responsibility, and sometimes the bank also commits negligence. For example: (including but not limited to) credit card annual fee adjustment without notification, weekend system upgrades that cannot be deducted, charges with overbearing terms that cause customers to be overdue... The above situations are all bank errors. You can appeal to the bank to eliminate bad credit card records.