Solution:

1. If the cardholder forgets to repay, he must repay as soon as possible, preferably in full, and it is best not to cancel the credit card immediately. So the bank won't record bad records. Before the repayment period, the cardholder should take the initiative to get in touch with the bank's credit card center, and the bank can not count the bad records;

2. If the credit card cannot be repaid due to unemployment, illness and other reasons, it must be repaid on time after applying for an extension;

3. Credit card repayment information The central bank's credit information system will be rolled for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If it is found overdue, it will be cancelled directly after paying off. Call the bank credit card center to apply for deferred repayment or installment repayment;

4. 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. Therefore, after the cardholder is overdue, the information will not scroll, indicating that the arrears are not malicious, resulting in overdue interest and late payment fees;

5. Bad credit record;

6. The bank will collect the money, and it is best to insist on using it for more than 2 years, explain your financial situation and declare that there is no malice.