Hello, my CITIC credit card was overdue for three months, but the bank cancelled it directly after full repayment.
You are three months overdue, and it's over 90 days! I received a credit report. What I need to do now is not to cancel the card after returning it, or your black spot will always be there. What you need to do now is to continue to use this card well. 3-5 years, disappear automatically. Will also come out of the blacklist of banks. You can ask me other questions.