What you have to do is complain strongly and keep complaining. The first is to ask the bank to produce the recording when the card was opened. Credit card customer service has recording records. This must be implemented. Second, in terms of banks, general customers strongly demand that it is just a matter of annual fees. You can discuss whether to pay back the annual fees. If the implementation is the responsibility of Bank of China, you can ask for some benefits. Of course, you can pay it back if you don’t need the money. However, there must be a strong demand to delete bad credit records. Your credit history is your most valuable thing. Banks can do this. The third is that if the bank says it has deleted it, you have to go to the People's Bank of China where the card was issued to check your credit record to confirm it.