1. After applying for loans and credit cards, individuals failed to repay them in full and on time.

2. Lend your credit card to others and leave a bad credit record.

3. Personal information is stolen or credit card is stolen.

in addition, in some places, personal payment records such as water, electricity and telephone bills are included in personal credit records, so personal credit report should be checked at least once a year.

methods to cancel bad personal credit records:

1. If there are bad bank records due to credit card repayment and other problems, you can immediately call the bank customer service phone for consultation. If the circumstances are minor, just explain that it is not malicious, which can generally help to eliminate the records.

2. The records in the basic database of personal credit information in the credit information system cannot be eliminated. However, personal bad information will be kept for up to 5 years, and those that exceed 5 years will be deleted.

3. Generally, banks audit customers according to their credit records. Therefore, when bad records appear, they should continue to pay back on time for two years, and the new and good credit records will gradually replace the old bad records.

4. If the credit card is not used for a long time, it should be cancelled in time, so as to avoid the bad record caused by the unknown annual fee.