When negotiating a credit card repayment, personal property will be checked. After a credit card defaults, the user must pay off the outstanding balance in a timely manner and call the bank's customer service hotline to explain the situation. The bank staff will give the user relevant advice. If the overdue record has been uploaded to the central bank's credit reporting system, the user must repay the credit card in a timely manner. Within two years after clearing the balance, continue to use the card and repay on time to maintain a good credit record. After 5 years, the previous bad credit record will be eliminated.