It can be opened.

The basic process is that the cardholder communicates with the bank’s customer service, and after the bank confirms, it issues a non-malicious overdue certificate.

Non-malicious overdue certificate issued by the bank:

Non-malicious overdue certificate

For customer xx shown in the credit report numbered xx, (ID card number :) Regarding the overdue issue, we hereby issue this explanation as follows;

After inquiry by the Bank, the outstanding balance under the bill of the above-mentioned credit card RMB account held by the cardholder from month to year is due to The cardholder changed his mobile phone number and failed to contact our bank. The customer's credit card incurred annual fees, which caused overdue issues. He failed to repay the loan on time in accordance with the bank's credit card regulations and the acceptance contract, resulting in an overdue account. Now the cardholder has Paying off the above overdue debt is not a subjective and malicious default, and it is true after our bank's investigation.

For banks, only if the cardholder has evidence that the bad credit record is caused by the bank, the bank will issue a certificate of non-malicious overdue card.