Insist on repayment and wait for automatic elimination or contact the bank. The details are as follows:

1. Credit card records only show the last 24 months, and past records are difficult to query. Therefore, do not cancel your credit card after a bad record appears, or ignore the bank's urging you to cancel your card. As long as the cardholder spends at least 1 yuan per month in the next 24 months and repays on time, the bad records in the past can be overwritten and a good record will be regenerated, which will not affect future credit.

2. Banks are also people-oriented. As long as the bad records are not uploaded to the system, which is usually 90 days, the cardholder will proactively contact the card issuing bank to explain the reasons and take appropriate remedial measures. Banks also often help customers eliminate bad credit history.

3. The last method of erasing records takes time. The People's Bank of China generally only keeps personal credit records for 7 years. Therefore, as long as the cardholder does not have any bad records within 7 years after the bad records occur. Then the People's Bank of China will also automatically remove the cardholder's bad records.

How do personal credit card bad records occur?

According to the definition of bad information in credit records, the reasons for bad credit records may be the following (not complete), as With the improvement of the credit reporting system, public credit, such as subway fare evasion, etc. will also be recorded as bad records:

1. Failure to repay credit cards, mortgages and car loans on time;

2 , The loan interest rate is increased, and the monthly payment is still paid according to the original amount, resulting in overdue interest;

3. The student loan is in arrears and has not been repaid;

4. The behavior of cashing out personal credit cards ;

5. Some "sleep credit cards" will incur annual fees if they are not activated. Failure to pay the annual fee will result in a negative credit record;

6. The identity card or identity card is used fraudulently by others. A copy of the ID card produces a credit card arrears record;

7. Failure to pay water, electricity, and gas bills on time;

8. Tax arrears and late fees, etc.;

< p>9. When providing a guarantee for a third party, the third party failed to repay the loan on time;

10. The mobile phone number was deactivated and the relevant procedures were not completed, resulting in overdue payment due to monthly rent arrears.

Many people think that once there is a bad credit card repayment record, they can just pay off the money and then cancel the card, so that the bad record will be canceled.

A joint-stock bank credit card person explained that many cardholders with bad credit records will think that paying off the debt and canceling the card are ways to remove the bad credit records, but this is a big mistake. Wrong. Maintaining integrity and "brushing out negative records" is the most effective way.

Because after the card is canceled, the credit reporting system will no longer generate new credit records, so the previous bad records will always exist because they have not been replaced by new records. The central bank generally chooses to re-draw credit records from banks every two years. If the cardholder maintains good card usage habits after bad records are generated, new and good records will gradually refresh and replace the old ones after two years. , negative records.