To issue a credit card settlement certificate, you need to contact the issuing bank. The conditions for issuing the certificate are that the cardholder's credit is good, there is no malicious overdue behavior, and the credit card debt has been settled. If there has been malicious overdue behavior, it may be rejected by the bank and the settlement certificate will not be issued. The ways of issuing credit card settlement certificate mainly include customer service telephone handling and branch counter handling.

1. Customer service telephone handling: the cardholder dials the customer service telephone number of the issuing bank, transfers to the manual customer service according to the voice prompt, and explains the purpose of the credit card loan to the customer service staff. After the customer service verifies that the personal situation meets the conditions for issuing, it will issue you a settlement certificate, and then send the certificate to your receiving address by express delivery.

2. Counter handling at outlets: the cardholder brings his/her valid ID card and credit card to any outlet of the issuing bank. At the counter, indicate that you want to open a credit card settlement certificate, provide ID cards and credit cards according to the requirements of the staff, and answer all kinds of questions from the staff. After waiting for the staff to verify their identity, they can print the credit card settlement certificate.

the data in the credit center are all reported by banks or other financial institutions, and the bank will send your usage records to the central bank for credit every month, which means that your bank credit records are updated every month. Some netizens also said that the update date depends on the billing date of your credit card account, and so on.

if you are in doubt about how long the credit record will be eliminated, according to the regulations of the credit center, personal bad credit will be automatically eliminated within 5 years, provided that there are no other overdue behaviors within 5 years.

It is suggested to form the habit of inquiring about personal credit records regularly, but not frequently, which will also be recorded by the system and affect the approval of loans. Regular inquiry can not only avoid this phenomenon, but also help people to know their personal credit status in time.