Generally, credit card bad debts are due to the fact that there are unprocessed funds in the credit card account. Since the funds have not been processed for a long time, they have been in a bad debt state for a long time, so they become bad debts. If the credit card is overdue or the overpayment on the credit card has not been withdrawn, it will become a bad debt. Bad credit debt is more serious than an overdue loan. So, how to deal with bad credit card debt?

The treatment of credit card bad debts is mainly determined based on the reasons for the formation of bad debts.

[1] For bad debts caused by overdue credit cards, the credit card debt must be paid off first. However, paying off does not mean that the personal credit report will be restored, and the user still needs to contact the bank for processing. Bad debts will become overdue after being processed by the bank, and overdue records will be retained for 5 years and eliminated.

[2] Bad debts caused by credit card overpayments should be withdrawn from the overpayments. After withdrawal, the bank should be contacted for processing. The bank will report the information to the credit reporting agency. After the credit report is updated, the personal credit card The status will show as Normal.