If the bad credit record or bank record error is not caused by myself, it can generally be eliminated by applying for personal credit objection. If the bad credit record is caused by credit card repayment or annual fee, as long as you are sincere, take the initiative to contact the bank customer service, explain the reasons and take appropriate remedial measures, and the bank customer service will usually help the cardholder to eliminate the bad credit record. Because credit records are recorded by ordinary banks first and then reported to the central bank. However, in this process, we must grasp the time. Generally, credit cards are overdue, and it is best not to exceed 90 days. Those who exceed this time limit can report to the database of the central bank's personal credit information system. If the bad credit record has entered the database of the central bank's personal credit information system, but it is due to the bank's reasons, you can communicate with the bank. The bank can either issue relevant instructions to the central bank to correct it, or take the initiative to ask the central bank to correct it with the bank's certification materials. If you have any objection to the credit record itself, you can personally or in writing authorize others to fill in an objection application form at the Credit Information Service Center of the People's Bank of China or local branches, and the central bank will conduct investigation and evidence collection. If errors are found, the credit record will be revised according to the application and investigation results. If it is really caused by the fault of the non-cardholder, stolen by others or caused by the bank, you can lodge an objection with the bank, which may be eliminated after handling.