1. Pay off the debt: The first thing to do is to pay off the debt. If you don't cancel the account after the debt is paid off, the bad debts on the credit record will not be eliminated.

2. account cancellation: after paying off the arrears, account cancellation is required. Because unlike credit card overdue, bad debts will not be eliminated if they are not cancelled. After closing the account, the bank may update your credit record immediately, and even classify your account as an overdue account.

3. Waiting: Under normal circumstances, bad debts will be covered after five years from the date of paying off the debts.