The Bank of China credit card debt of RMB 200 has not been repaid for six years, and the credit card is overdue. You should contact Bank of China immediately to pay the outstanding balance, late payment fees and interest. So that the bad records in the central bank's credit reporting system can be eliminated later.

Cardholders need to pay attention to their own card usage habits and use cards reasonably and compliantly:

1) Apply for credit cards through formal channels and be aware of credit card terms and conditions .

2) Repay the credit card overdraft limit on time. Once it is overdue, the interest and penalty interest incurred are often huge, even several times higher than the principal.

3) Never use a credit card to overdraft maliciously, otherwise it will violate the criminal law and constitute a crime.

4) Once the use of a credit card is stopped, cancellation procedures should be completed in time, otherwise annual fees, etc. will continue to be incurred, which will lead to the creation of bad records in the personal credit system.