Hello! First of all, it depends on how your bad record is caused. At the same time, if you are still in the credit card issuing bank, it is relatively simple to handle. As long as the cardholder actively contacts the issuing bank, sincerely explains the reasons and actively takes remedial measures, the bank will actively cooperate to eliminate bad records.

But we must hurry. If the credit card is overdue, it is best not to exceed 90 days. Because after this time, bad credit card records may have been reported to the central bank database.

If the bad record of the cardholder has been reported to the central bank, it will be much more difficult to eliminate the bad record. It is also necessary to prescribe the right medicine according to the actual situation. 1. If it is caused by the bank itself, the cardholder shall report the situation to the central bank in time and submit the relevant supporting materials of the bank for correction. 2. If it is caused by a third party, it must be brought to court. If the court decides that the responsibility lies with the third party, it requires the central bank to eliminate the bad credit card records. 3. If you have any objection to the credit record itself, you can file an objection application with the local branch of the People's Bank of China and fill in the objection application form. The central bank investigates and collects evidence, and if the situation is true, it can eliminate the bad records of credit cards.