The first one: apply for a grace period. If you fail to repay before the repayment date due to your own negligence, and if you find that it is overdue, repay in full as soon as possible, then call the card-issuing bank to state that it was not a malicious delay and see if it will cause a bad credit record. If so, see if it can No cancellation or further processing. Generally speaking, if you have a good credit record and a short overdue period (within three days), you can avoid bad records by paying back in time if you find it is overdue.

Second type: explanation of special circumstances. If you are unable to repay the loan on time due to special circumstances, such as business, illness or other accidents, you can pay in installments or take the initiative to communicate with the card-issuing bank by phone before the repayment period, state your financial situation and situation, and provide corresponding certificates. , apply for delayed repayment and interest discounts. Banks will often agree to defer repayment based on the cardholder's proactive performance and previous good credit record, and will work with the cardholder to agree on a repayment plan acceptable to both parties, including the deferment period, interest discount, and monthly repayment amount. This kind of deferred repayment approved by the bank will not be recorded as a bad record, but you will still need to repay as agreed in the future.

The third type: replace the old record with the new record. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. If there is a bad record, if you repay the loan in time and continue to use it after it is overdue, a new record will be generated. As long as it exceeds 24 months from the date of the old record, the old record will naturally be overwritten by the new record. However, if you stop using the delinquent card, the corresponding records will no longer be updated. Instead, they will be saved for a long time, and this information will also be checked by various banks.