1. Bad records can only be offset if the credit card is repaid on schedule for half a year or more when used again. The time limit shall be calculated according to the regulations of the bank. You can call the customer service hotline of the credit card for enquiry. Paying back on time after spending by credit card helps to offset the bad reputation.

2. This kind of "non-human malicious overdraft breach certificate" needs to be provided to the bank that handles the credit card with my ID card (where is the credit card handled and which bank). If the situation is true, then the bank can give you a receipt.