1. First of all, Baidu needs to know what bad debts are (the causes of bad debts are unpaid and overpaid, and my experience only includes dealing with bad debts caused by non-debts), and what is the impact of bad debts (bad debts are very serious, one bad debt is equal to 50 overdue loans, and no bank can lend you money). Make clear these two items, and you will understand that you should solve this matter with a correct attitude of 12;

2. Find the issuing bank. In most cases, bank cards with bad credit records are marked as "stop payment" in the system of bank headquarters. This state means that the head office has no authority to handle this card, and every bank with bad debts will solve it one by one. So we must find the issuing branch. If you can't remember clearly, you can call the credit card center several times and ask again and again. The question you submitted has been fed back to XX Branch of XX Bank and which branch of XX Province.

3. Contact the credit card department of the issuing bank. In the end, someone in this department will come to talk to you about this matter, whether through the appeal channel of the People's Bank of China or through the personal direct appeal in this experience. In the end, this matter will fall to someone in the card department of the issuing bank to investigate and handle this matter;

4. Contact the Card Department and prepare your attitude. First of all, we have to understand that because of the time problem, it is very likely that the staff who registered your bad debts at that time and the staff who are handling this matter now are not the same person or the same period, so although we understand your anger, we should communicate with the staff who are handling this matter for you in an equal and correct manner. And a good attitude will win you more respect and possibility.