More than nine times generally require an expiration certificate. Go to your credit card center and issue a certificate of no overdue malicious overdraft. On the premise that the money in your credit card has been settled, go directly to the China Bank Card Center to explain the situation and ask them to open the official seal of the card center. If you don't open it, you won't stop with them, and you will make trouble and complain to them. Report to China Banking Regulatory Commission. Your bad credit record has exceeded this standard. Therefore, when you apply for a house loan, your bad credit record will affect the handling of the loan, and the measures that the bank may take will reduce the loan ratio of the applicant's house loan or increase the loan interest rate. The bank refused to handle the loan php "> bad credit record of credit card. The retention period of bad credit record of credit card is months. If the borrower has a bad credit record of the credit card, as long as the borrower's credit card is still in use, the bad credit record will be updated after being kept for several months. Therefore, if your bank card is still in use, as long as you keep your credit record, your previous bad record will be rejected. For the bank, only if you have evidence that the bad credit record is caused by the bank will the bank issue you a non-malicious overdue certificate. Hope to adopt.