It cannot be eliminated manually. You can only pay the credit card bill on time. If no bad information occurs again, it will be automatically eliminated after 5 years.

According to the "Credit Reporting Industry Management Regulations", the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.

As long as you maintain good credit behavior within 5 years, these bad information will disappear without a trace after 5 years. For example, after the credit card expires and is fully paid off on August 1, then, starting from August 1, this record will be deleted after 5 years.

"Credit Reporting Industry Management Regulations":

Article 16 The credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident; If it is more than 5 years old, it should be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.