Please don't worry, if you just inadvertently owe money for a few days and then pay it back quickly, you won't be blacklisted. The bank staff called Cui Kan to prevent you from being overdue for too long. You can also take this as a kind reminder. Having an annual fee is the most likely thing. Some people forget their credit cards once or twice, or don't open them at all after they get them; Another part may forget to pay the annual fee for each card because of holding too many credit cards. If the investigation is true, the bank will have a judgment of non-malicious arrears in this case.

The staff of Dayong Sub-branch of China Construction Bank also said that the bad records caused by the arrears of annual fees will be specially handled and will not be blacklisted easily. In addition, banks will distinguish between bona fide arrears and malicious arrears as appropriate.