Just pay off the credit card account, and then apply to the bank to change the bad debt record. After paying off, the bad debt record in the credit report can be eliminated, and the credit report will be displayed as a normal overdue record of the credit card. As long as you keep good credit card habits, you can completely eliminate them after 5 years.

Bad credit card debt refers to the long-term overdue credit card. After repeated collection by the bank, it has not been urged back. The bank will not sue you, and directly write off your credit card account as a bad debt. After that, the credit report will have the option of bad debts.