The correct way to eliminate the bad record of the Bank of Communications credit card is to continue to use the credit card, not overdue, and repay on time. In this way, the personal credit record will be updated after 24 months. After 5 years, the bad credit card records will be completely eliminated.

Solutions for overdue credit cards:

1. If the cardholder forgets to repay the card and discovers it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;

2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;

3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;

4. Credit card repayment information The central bank’s credit reporting system rolls over 24 months, and records of overdue credit card repayments will be included in the credit reporting It is stored in the system for two years. If you find that you have paid off the card overdue and then cancel the card directly, the information will not be rolled over, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.