If there are overdue bad records, you can refresh the coverage system according to the credit records to eliminate the negative records and their influence. Because credit card records basically only show the records of the last 24 months, the previous records are difficult to query, so when there is a negative credit card record, don't cancel it, even if the bank claims or even urges you to cancel it. It can be explained that as long as you repay the loan on time in the next two years and there is no new bad record, the original negative credit record will be cancelled.

If your credit stain is caused by the bank, then the cardholder can ask the bank to cancel it. For example, due to the annual fee of credit card, the cardholder has not received the reminder of bank SMS, phone call and email bill for seven years. Cardholders can explain the reasons for overdue by calling the bank's customer service phone or directly communicating with the bank staff, and provide strong evidence such as mobile phone call records or text messages to prove that they have not received the bank's dunning notice. Require banks to cancel bad credit records.