But in this case, you should make sure it is the bank's problem, that is, you should keep the evidence that the bank does not report in real time, otherwise your complaint will be invalid.

I suggest that you pay off your debt and you'd better explain it to the customer service of the bank, emphasizing that it's not that I don't pay it back, but that it's because of the decline in income and operational difficulties that you didn't pay it back on time. Try not to adjust the limit to 0, continue to use credit cards after repayment, and form a good habit of regular repayment. Then the bank will check the credit records and think that the overdue is caused by my forgetting, which can eliminate the adverse consequences caused by the overdue to the greatest extent.