1. Maintain good credit card habits and wait for automatic elimination. First of all, we should pay off the arrears and continue to maintain good consumption habits. After five years, bad records will be automatically eliminated.

2. issue a non-malicious overdue certificate and apply to the bank for cancellation. If the cardholder is overdue due to unemployment, illness, going abroad and other reasons, issuing a "non-malicious overdue certificate" can solve the problem.

3. file an objection application with the People's Bank of China and request re-examination. If the overdue is not self-caused, the cardholder can submit an "objection application", and generally this bad overdue record can be eliminated within 15 working days.