First of all, our most important thing is to pay off the debt we owe immediately. Many cardholders see that their credit cards are overdue, so they have the urge to break the bank and simply stop paying it back. The author here advises card friends who have this idea to put an end to this practice. This approach will not only close the "little black room", but our overdue credit report will also be reported, and subsequent repayments will be made. There will be penalties. The root cause of the overdue payment is that we failed to pay off the debt on time. Only when the main "arrears" issue is resolved can we have a basis for negotiating with the bank and be removed from the blacklist.

Secondly, we need to show the bank that we did not owe the debt maliciously. It may be that we did not pay off the debt on time due to forgetting the repayment time or some other special circumstances. Then after we submit the application, the bank will make a judgment based on your words. Of course, this situation is only based on the fact that we are overdue for a short period of time, so that the bank may release us from the "little black room".

The last point is that if there is really a stain on the credit report, we must not cancel the card. Instead, we must continue to use the credit card. After we continue to use credit cards well for 2 years, our previous bad credit records will be overwritten by our subsequent card use records.

If the credit card is temporarily overdue, as long as we pay it back immediately, it is possible to avoid affecting the personal credit report by communicating with the bank. But if a cardholder is overdue for three or six times in a row, then the bank will not only blacklist the cardholder, but there will be no doubt that the cardholder will be listed on the credit report. Therefore, I would like to remind all cardholders again and again that when using credit cards, you must repay on time, otherwise tainted credit reports will affect our handling of various banking services in the future.