Credit cards can be used for overdraft consumption and cash withdrawal, which brings a lot of convenience to people's lives. However, after you get a credit card, you can't use it casually, otherwise it will be more troublesome to use it badly and produce a bad credit record. So, what are the bad records of credit cards? Let's take a look at it. inventory of common bad credit card records: 1. overdue records: usually due to the failure to repay the credit card on time after overdraft consumption, or the failure to repay the credit card on time due to the deduction of annual fee and business card printing fee. In this case, if you want to eliminate the bad credit record, you have to pay off the money you owe, and then the bad credit record will be automatically eliminated after paying off the debt for 5 years. 2. Bad debt record: This kind of bad record has a much greater impact than overdue records, and usually refers to accounts receivable that have not been settled for more than three years and are classified as bad debts by banks. Because the arrears have been in a state of sluggishness for a long time, bad debts have been formed. If not handled, the impact of this bad record will last for life, and the bank that applies for a loan with a card will refuse it very simply. Dealing with the bad credit card records generated by this situation is also necessary to pay off the debts. After paying off the debts, the bank will report to the central bank for credit investigation, and the bad debts will become overdue. Then, the bad records will be automatically eliminated after five years from the date of paying off the debts. 3. Inquiry records: It means that the credit report has been frequently inquired by banks or other financial institutions in the past three months, leaving many inquiry records on the credit report, which is also a kind of bad credit card records. The reasons for the inquiry may be card approval, loan approval and post-loan management. This situation is not very good to eliminate, first of all, we must ensure that there will be no more query records in the next three months, and the rest will be left to time to fade away. In short, after getting a credit card, you must develop a good habit of using it, and try your best to avoid the above-mentioned bad credit card records. After all, in the credit society, a good credit record is a stepping stone to everything, which can help a lot when applying for a mortgage or credit card.