Bad debts caused by 1. annual fee.

Bad debts caused by annual fees are easier to handle. Contact the bank directly for consultation or negotiation, especially if the annual fee payment is unclear, you can ask the bank to immediately write off the bad debt records in the credit report.

(1) The annual bad debts can be forgiven without the customer's knowledge. In this case, the amount of bad debts is relatively small, and the bank will ask for repayment, but it is reasonable to argue that it can not be repaid. At the same time, banks will also promise to write off bad debt records in advance. Some banks will be tougher, paying off debts first, and then canceling the credit report. If the situation is urgent and the amount of bad debts is small, they can also "recognize" and pay off the debts, and at the same time ask the bank to immediately write off the bad debt records on its credit report.

(2) Bad debt records are deleted by the bank whose liabilities are uploaded to the credit information system. Some banks will refuse on the grounds that the credit information system is managed by the People's Bank of China and has no right to modify it. This statement is deceptive. If a commercial bank fails to submit a credit modification request or report, the People's Bank of China has no right to modify the contents of the credit report. Therefore, if commercial banks shirk their responsibilities, they should resolutely oppose it. Who uploads bad records to the credit information system, who is responsible for cancellation.