1. Take the initiative to contact the bank and negotiate a solution

If the overdue payment is not malicious, you can contact the bank promptly and proactively and explain the reasons. Generally, if there is a reasonable and evidence-based reason, Under such circumstances, the bank is still happy to help, but you must seize the opportunity. If it is overdue for too long, it will be in vain.

2. Pay off the debt in time and maintain good repayment habits

This method is suitable for overdue credit cards, that is to say: the cardholder pays off the debt in time, and thereafter Maintain good repayment habits so that bad records will be covered by good records, thus forming a new and good credit record. But the premise is that you have not canceled the card.

File an objection application

If an individual has objections to his credit record, he can bring his valid ID card and submit an objection application to the local central bank's credit reporting center. If the central bank verifies that there is indeed an error, Corrections will be made based on the investigation results.

If your personal credit record is bad due to bank reasons, you should immediately apply to cancel it

If your personal credit record is bad due to bank reasons, you should provide relevant evidence and contact the "involved" bank in a timely manner and request It eliminates bad records.