1. Write-off of bad debts of credit cards can be regarded as a way for banks to handle non-performing loans, that is, write off domestic accounts and external accounts. If the long-term irrecoverable arrears are regarded as non-performing assets, the bank will digest them internally, that is, use the deposit reserve to repay the arrears, but the arrears will still be credited to the cardholder's account. After all, the cardholder didn't pay the money himself. Is it necessary to pay off the bad debts of credit cards? Does not mean that bad credit can be eliminated. Therefore, if you want to resume credit reporting, even if the bad debts are written off, it is best to repay them. After paying off the debts, you can negotiate with the bank to delete the bad debts. If the bank agrees to delete it, it will apply to the central bank's credit information center for modification, and the bad debts will become overdue after modification.

2. "Bad credit card" refers to a state of credit card. Generally, the credit card is overdue for more than 3 months, and the bank reminds it for more than 6 times. If the cardholder is unable to repay the debt, the uncollectible credit card will be classified as bad debt.

3. It is said that the bank will write off some bad debts that are overdue for more than 180 days and cannot be recovered for six times, which is actually a way to deal with non-performing assets. However, write-off is the behavior of banks. The bank will repay the cardholder's debt with the deposit reserve, but it does not mean that the cardholder's debt will be offset. Therefore, after the bad debts of credit cards are written off, the debts will still hang on the cardholder's account, and the cardholder still has to fulfill the repayment obligation after the write-off. Bad credit card debt is already a bad credit record, but if you pay off the debt, you may let the bank delete the bad debt. If you think that you can write off bad debts without repayment, then the record of bad debts can never be deleted, and it is even more impossible to restore credit information. In this way, the cardholder will be a black account of the bank all his life, and he will never get bank loans and credit cards again in this life. In addition, during the period of bad credit reporting, you may not find a good job, which may also affect your travel, and you may not be able to buy train tickets and plane tickets. , even involving your family. For example, your child may not be able to go to school smoothly. Anyway, the consequences are far worse than you think.