Bad debt balance refers to the amount that has passed the repayment period, can not be recovered after collection, and is in a sluggish state for a long time, which may become bad debts. The balance of bad debts is the result of not being settled in time, and also refers to the property that cannot be recovered because the other party does not return it.

At present, the credit record shows the records of the past five years, and the records of five years ago will not appear again. If it has been nearly 2 years, you need to issue a certificate to the bad bank, explaining the reason for canceling the account, otherwise it will affect the credibility of the credit card in the future.