It is not completely irreversible. If the credit card overdue record is caused by the following three situations, you can apply to the bank for cancellation! First, the bank was at fault. If the credit card is overdue due to the bank's fault and is reported to the credit report, you can apply for cancellation. For example, deduction failure due to changes in annual fees or bank system problems, etc. Second, it was stolen. If your credit card is stolen and becomes overdue, or if your personal identity is used fraudulently by others and becomes overdue, you can also apply for cancellation. Even so, you should always keep your personal information safe and do not easily share credit card information with others, especially the verification code. After being defrauded, you should collect relevant evidence in time to prove that it is not your fault. Third, overdue without malicious intent. Non-malicious overdue means that it is not caused by personal subjective reasons. It may be that the transfer did not arrive, the repayment date was delayed, automatic deduction failed, etc. If you are overdue due to such special reasons, you can explain the reasons to the bank as soon as possible, repay the loan in time, and ask to eliminate the bad credit records. The bank can help eliminate the relevant records.

Although many people know that the consequences of an overdue credit card are serious, some users may have overdue credit cards because they forgot to repay or they really do not have the funds to repay. So if we have an overdue credit card payment, After making the payment, you must actively deal with the problem and make yourself bear as little overdue consequences as possible. If the user's credit card is overdue because he forgot to repay, he can make the corresponding repayment immediately after discovering it, contact the credit card customer service of the bank to which he belongs, explain his actual situation to the customer service, and apply not to report his overdue record to the tax collection agency. letter and promise to repay the loan as scheduled later. If the user really does not have the funds to repay their credit card, they can apply to the official customer service of the credit card for an extension of repayment. However, after the application is successful, the repayment must be made within the time specified by the bank. If the repayment is still unable to be made by the expiration date, the user must find a family member. Carry out turnover and repay to avoid serious consequences for yourself.

When a credit card is overdue, we must not run away, deliberately not answer the bank’s collection calls, or even find ways to prevent the bank from contacting us. The bank will not give up recovering the debt just because it cannot contact the user, so When a credit card is overdue, users must face it proactively, have a good attitude, and strive for lighter overdue consequences for themselves.