1. The reason why the bank requested to cancel the bad credit record of the credit card.

If your credit stain is caused by the bank, the cardholder can apply to the bank for cancellation. For example, in the past seven years, cardholders have not received reminders from bank messages, phone calls and emails. Cardholders can call the bank's customer service phone number or directly contact the bank staff to explain the reasons for overdue, and can provide strong evidence, such as cell 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.

2. Credit records can be refreshed within two years.

In case of overdue, it is recommended to pay in one lump sum. The sooner you repay, the sooner your overdue record will be refreshed. Your credit record can only show your credit status in the last 24 months, so it will be two years before the credit stain can be refreshed.

3. It is the key to accumulate a good credit record.

In order to completely eliminate bad records, the central bank currently stipulates that the retrospective validity period of personal credit records is five years, so it is very important to accumulate good credit records. In fact, many people think that if the credit card has a bad record of overdue repayment, the credit card will be cancelled after paying back the money, so the bad record will also be cancelled.