Credit card write-off is a bank behavior. It is usually used by banks to write off bad credit cards, and the money owed is not owed to the bank. After the write-off, the credit record will still appear.

So users should not take chances. It is recommended to contact the bank as soon as possible to pay off all outstanding balances on this card and pay all fees. On the credit report, bad records can be automatically cleared five years after the debt is paid off. If the debt is not paid off, the bank can retroactively increase the non-recording period to five years after five years. If the circumstances are particularly serious, it may be permanently stored.

Normally, the card issuer will not write off the credit card if the cardholder has not paid off the balance.

Expand

Notes:

1. For bad debts due to arrears, please pay off all arrears in time, and of course do not pay more. Users can go to the bank to apply for a non-malicious debt certificate, and try to communicate with the bank whether the bad debt record can be deleted so that it will not affect your loan.

2. If users have bad debts caused by unclear annual fee payment issues, they need to proactively consult or negotiate with the bank, or they can also go through the personal credit investigation objection handling procedure.

3. Bad debts caused by overpayments are dealt with by withdrawing the overpayments and canceling the account.

Baidu Encyclopedia-Credit Card Bad Debt Write-off