First of all, your current situation is that the bank is blacklisted and the People's Bank of China has a black record. In this way, any business dealing with banks in the future will be more troublesome than ordinary people.

The only solution is that you break it yourself. If you don't cancel the card, you can continue to use it, so that your future consumption records will constantly remove your stain, just like a running account, your stain, nothing can be removed behind, and your stain is always there.

You wait now and let time dilute, because after ten or twenty years, the impact may be less.