If it is caused by the annual credit card fee, you can call the bank customer service directly, indicating that it is not maliciously overdue. The bank will decide whether to eliminate your bad record according to the severity or reason of your bad record.

( 1)? Minor circumstances can generally eliminate records.

If it is a bad bank record caused by problems such as credit card repayment, you can immediately consult the bank customer service phone. If the plot is light, it means that it is not malicious and can generally help you eliminate the record.

(2) If the circumstances are serious, if it is a bank mistake, it can be eliminated.

If the circumstances are serious or the delay is too long, the bank may have reported it to the personal credit information system (for example, the bad record of overdue credit card is generally 90 days, and it may be reported to the basic database of personal credit information of the People's Bank of China after 90 days).

According to China People's Bank's explanation of the credit information system, the applicant can ask the bank to tell the reasons why the bank failed to pass the loan due to bad records. If the bank fails to inform it, it should consult the competent credit information department of the People's Bank of China, ask for an investigation on personal credit information, and correct the wrong data, so as to avoid inconvenience to the bank's lending business in the future.

If it is a bad record caused by a bank error, you can negotiate with the bank, and the bank can issue a modification instruction to the central bank's credit information system, and the system will eliminate this record.

If the bank can provide relevant certificates to prove that the bad credit record is caused by the bank's operational mistakes, I can also apply to the local people's bank for eliminating bad records with relevant certificates.

Second, the correction of bad credit.

The bad credit record of personal credit card can be completely eliminated after 5 years, but if it is repaid on time within 24 months, the previous bad credit record will be refreshed.

Credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.