The processing time for banks to delete bad debt records is 20 days. When the bank deletes bad debt records, don't forget to cancel the credit card. After successful cancellation, the credit card status shown on the credit report is cancelled, not bad debts, and there is a waiting period of 46 days for cancellation of credit cards.

Bad debt is a term in the economic field, which refers to the accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts. Bad debts are the result of not being settled in time, and also refer to the property that cannot be recovered because the other party does not return it.