First of all, for ordinary bad bank credit card records, if they are bad bank records caused by credit card repayment and other problems, you can immediately consult the bank customer service phone. If the circumstances are minor, just explain that they are not malicious, which can generally help to eliminate the records.

secondly, the records in the basic database of personal credit information in the credit information system cannot be eliminated. The newly implemented "Regulations on the Administration of Credit Information Industry" stipulates that personal bad information will be kept for up to 5 years, and those that exceed 5 years will be deleted.

In addition, banks generally review customers with their credit records in the past two years. Therefore, when bad records appear, they should continue for two years and pay back on time. The new and good credit records will gradually replace the old bad records, otherwise the old records will always exist. Similarly, for consumers who use credit cards, those with overdue records should not cancel their credit cards in a hurry, because bad records will not disappear because of cancellation. Credit cards that have not been used for a long time should be cancelled in time, so as to avoid bad records caused by unknown annual fees.