Legal analysis: if the repayment time is up, then repay as soon as possible to ensure that the arrears are made up; Contact the bank account manager to see if there is any overdue record and whether it can be remedied in time. Because the average bank will have a gap of one or two days for customers whose repayment date exceeds one or two days, there will be no overdue records; If there are overdue records, the card cannot be cancelled, otherwise the overdue records will not be eliminated; Make sure the mobile phone contact is smooth, because before the credit card expires, it is possible that the bank account manager will remind you to pay back the money in time to avoid overdue; Don't put an end to the disappearance of money returned, resulting in overdue records. Then ensure that no overdue records can be generated in the next five years. After five years, overdue records will be cleared.

Legal basis: Article 100 of the Civil Procedure Law of People's Republic of China (PRC), if the judgment may be difficult to execute or cause other damage to one party due to his behavior or other reasons, the people's court may, upon the application of the other party, order him to take preservation measures against the property, order him to do certain acts or prohibit him from doing certain acts, and when necessary, the people's court may also order him to take preservation measures. When the people's court takes preservation measures, it may order the applicant to provide a guarantee. If the applicant is unable to provide a guarantee, the application shall be rejected. After accepting the application, the people's court must, in case of emergency, order to take protective measures within 48 hours, and immediately begin to implement them.