Remedy 1: Repay in full as soon as possible after the deadline, and call the bank after the full repayment to explain that it is not malicious arrears. The best opportunity is to ask for the elimination of overdue records. Second, contact CCB and ask if there is a "time-sensitive" repayment service, which can be up to three days late or on time. Continue to use this card after repayment, keep a good habit of using the card, and overwrite the original negative record with the new normal repayment record. This is a process of establishing credit with banks, which is generally not too overdue. After 24 months, the refreshed credit record will not affect personal credit. Once the card is cancelled, the overdue record will exist for a long time and cannot be eliminated. Whether buying a house or a car, as long as you want to borrow money, no matter which bank you go to, it will be affected.