If it is a bad debt caused by an unpaid loan, you need to settle the debt first. Bad debt records will be automatically eliminated after 5 years from the date of settlement.

First of all, we should first understand what bad debts are (the reasons for bad debts: unpaid debts, overpayments, my experience only includes dealing with bad debts not caused by debts), and the impact of bad debts is What (bad debts are very serious, one bad debt is overdue 50 times, no bank will lend you a loan).

After understanding these two items, you should understand that this matter should be solved with a 12-point correct attitude. Find the card issuing bank. In most cases, bank cards with bad debt records are marked as "stop payment" in the system of the bank's headquarters.

This status means that the head office basically no longer has the authority to process this card, and each bank that has incurred bad debts will resolve it one by one. So you have to find the card-issuing branch.