1. ABC requested to cancel the bad credit record of ABC's credit card.

If your credit stain is caused by ABC, then the cardholder can ask ABC to cancel it. For example, due to the annual fee of credit card, the cardholder has not received SMS, phone call or email bill reminder from Agricultural Bank for 7 years. Cardholders can explain the reasons for overdue by calling the customer service phone of Agricultural Bank of China or directly communicating with the staff of Agricultural Bank of China, and provide strong evidence such as mobile phone call records or text messages to prove that they have not received the dunning notice from Agricultural Bank of China. Require the Agricultural Bank to cancel the bad credit record.

2. Credit records can be refreshed once every two years.

If it is overdue, it is recommended to pay off the arrears in one lump sum. The sooner you pay back the money, the sooner your overdue record will be refreshed. Your credit record only shows the credit status of the last 24 months, so the credit stain will not be refreshed until two years later.

3. If we want to completely eliminate bad records, the central bank currently stipulates that the retrospective period of personal credit records is 5 years, so it is very important to accumulate good credit records. In reality, many people think that if a credit card has a bad record of overdue repayment, the bad record will be cancelled after the money is paid. However, the staff of ICBC Handan Branch said that this practice is not desirable.

I hope you are satisfied with my answer.