1. If you forget to return them carelessly, you should actively contact the bank staff and ask the bank to eliminate overdue records.

2. If it is caused by factors such as unemployment or illness, you should contact the bank staff before the final repayment date to explain your situation.

3. If you continue to use the credit card for 2 years after the deadline, repay the loan on time and maintain an excellent credit record, the previous record will be covered up.

the overdue records of credit cards cannot be eliminated artificially, unless the bank makes a mistake, you can appeal to the bank and ask for the cancellation of the wrong overdue records. If the overdue record is correct, you can only pay off the debt as soon as possible. After paying off the debt for five years, the overdue record of the credit card will be automatically eliminated.

never stop paying back the money. Since then, the bank can't contact you. Because credit card arrears, interest and interest are terrible, even borrowing 5 thousand, it is possible to repay 5 thousand after two years, and the bank will sue and let the court enforce it;

those who don't know their credit information only need to search: quick card test. Click Query, enter information to find your own 1-line credit data, and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, and obtain various index data, and find their own personal credit status, blacklist status, online loan application record, application platform type, online loan credit line estimation and other important data information.