It is no problem for the bank to issue a certificate of non-malice.

On the contrary, it may be difficult,

If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center and declare the non-malicious arrears. If the previous record is good,

And the overdue time is short, and it is found that the repayment situation after the overdue is good, which may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will no longer be available.

Scroll, but keep it for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, and maintain a good credit during this period, so that you can.

By rolling records, bad records are removed from the credit information system.

In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses that you can't handle, and car loans, mortgages and commercial loans can't get through. Therefore, it is necessary to develop a good habit of using credit cards and learn more about them.

Get ready for the solution in the future!