That depends on what kind of bad debts you are. If it is bad debts due to arrears, you need to pay them off in time, and then apply to the bank. You need to open a non-malicious debt to prove it to us, and then you just need to communicate with the bank in the next step to see if you can delete the bad debt record.

If the bad debts are caused by credit card overpayment, just go to the bank counter and apply for withdrawing the extra money.

if you can't handle it, you can go to Shenzhen nanfang Lida trading co., ltd., which has rich experience in credit information repair, credit information optimization, quick handling of bad debts, overdue, and handling illegal credit card accounts for many years.