Is the credit card of China Bank in arrears? Credit card write-off is a way for banks to deal with uncollectible bad debts, which has a fatal impact on personal credit investigation. After the bad credit card debt is written off, it is equivalent to the bank giving up the loan and will no longer bear interest. If the owner can't apply for a loan credit card and wants to handle the debts written off by the bank, it is suggested to call the customer service of Bank of China to ask whether it can be handled and how to handle it.