Twice overdue for more than 90 days, I was directly cancelled by the bank after I paid it off. It's been six years since I paid it off, and my application for a credit card was rejected. What should I do? First of all, your personal credit record has been seriously affected by the cancellation of your account by the bank because it has been overdue for more than 90 days twice in a row. It is common for your credit card application to be rejected.

To improve personal credit score, we can start from the following aspects:

1. Establish a good repayment record: repay all kinds of loans and credit card bills in time, keep the balance low and avoid overdue.

2. Pay attention to the use of credit cards: If the credit card has been cancelled before, you can try to re-apply for a basic credit card dedicated to establishing credit records, and then use it carefully to ensure timely repayment.

3. Diversified credit records: not only rely on credit cards, but also gradually establish diversified credit records through bills such as consumer loans, installment payments and utilities.

To sum up, establishing a good repayment record is the key to improve personal credit score. Credit can be gradually restored by timely repayment of loans and credit card bills and proper use of credit cards. In addition, diversified credit records can also help individual credit scores.

Extended data:

Personal credit record is an important financial information in China, which has an important impact on personal loans, credit card applications, renting houses, buying cars and buying insurance. At present, there are many credit reporting institutions in China, such as the Credit Reporting Center of the People's Bank of China and the Credit Reporting Center of 100 banks, which are responsible for recording, managing and evaluating personal credit information and providing credit inquiry and evaluation services for financial institutions. Establishing and maintaining a good personal credit record is very important for personal financial life, and more convenient financial services can be obtained.

The above is based on China's personal credit records and suggestions, and there is no specific supplementary information. I hope it helps you.