You mean the bad record of the credit card? A few bad records do not necessarily become black households. Black households are those who maliciously owe money and maliciously defraud loans. The influence of black households is relatively large, and the record has been with me for five years, and there is no way to eliminate it. However, there is still a way to remedy the bad record, that is, repay the loan as soon as possible, give the bank a reasonable explanation, borrow more and pay more in the future, and never overdue. In this way, good records will wash away bad records after a year and a half. If they insist on it for two years, basically no one will check their credit status for more than 24 months. So we insist on covering bad records with good records. Don't cancel your credit card in a hurry, because if you cancel it, you won't even have a chance to wash away your bad records.