Handling method of credit card bad debts: 1. When you owe bad debts, you need to pay them off in time. If the credit card can't be used after being paid off, you can cancel the account. If it can still be used, you can continue to use it, and then cancel the account after the bad debt record on the credit information is eliminated. 2. As long as the overpayment and bad debts are taken out, the record of bad debts will be gradually eliminated. Don't close the account at this time, otherwise the record of bad debts will remain in the credit report all the time.

Legal objectivity:

Measures for the supervision and administration of credit card business of commercial banks Article 57 The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operating procedures for repaying credit card loans with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder. Unless otherwise stipulated by national laws and regulations. When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.