As a cardholder, the most worrying thing is the credit card. If you forget to repay the loan, you will not only have to pay extra overdue interest, late fees and over-limit fees, but also have a bad credit record, which will affect your personal lending business in the future. So, how to eliminate bad credit records? Experts say that maintaining integrity and erasing negative records are the most effective methods.

The bad credit record of China Bank's credit card means that when a citizen borrows money from China Bank and fails to repay it as agreed, China Bank submits relevant information to the Credit Information Management Center of China People's Bank, and the Credit Information Center of China People's Bank writes the above behavior into the citizen's personal credit record, which is called the bad credit record of China Bank's credit card.

There are many reasons for the bad credit record of China Bank's credit card, most of which are due to the cardholder's own reasons, such as the overdue annual credit card fee, and how to prevent the bad credit record caused by the overdue repayment of credit cards:

1, handle automatic repayment to prevent overdue.

In order to avoid overdue credit cards, it is suggested that cardholders turn on the automatic repayment function after receiving the credit card. Debit cards (such as salary cards) of China Bank are associated with credit cards, and China Bank will automatically deduct the money before the monthly repayment date to repay the cardholder's credit card. This can effectively prevent cardholders from overdue. Like the problem in the above case, even if China Bank deducts the annual fee, there will be no credit stain due to forgetting to repay.

2. Use the minimum repayment amount.

There are two repayment methods of China Bank Credit Card: optimal repayment and minimum repayment. The former is to fully repay the amount owed in the current period, and the latter is to fully repay the amount owed to China Bank according to the minimum repayment amount stipulated by the issuing bank before the due repayment date. If repayment is made according to the minimum repayment amount, the card issuer will only charge the loan interest of China Bank from the bookkeeping date to the repayment date at the daily interest rate of 0.5 ‰, and the loan interest will be compounded monthly. It won't affect your credit history.