write-off of bad debts requires repayment. According to the inquiry of Hualv. com, if it is not returned, the bad debt information will always be recorded in the personal credit report. When applying for credit cards and loans, banks and lending institutions that access the central bank's credit information system usually inquire about customers' credit information. If customers are found to have bad debts that have not been paid off, they will basically not grant cards or loans to customers. It can be seen that bad debts will also have a serious impact on people's credit business. And the bad debts have not been repaid, and if it is serious, it is likely to be sued by the bank. Only by paying off bad debts as soon as possible can records be eliminated as soon as possible. Bank bad debts are receivables and temporary payments that are overdue for more than 3 days after the debts in the banking system expire, and the loans are in a sluggish state but have not yet been determined as bad debts. Under normal circumstances, after the borrower borrows money from the bank, it is overdue for more than one month. Due to the change of mobile phone number or other reasons, the bank can't contact you. This personal debt may be classified as bad debts by the bank, and then it will be uploaded to the personal credit report truthfully, showing that there are bad debts, which may affect the later online loans and mortgages.