Simply put, bad debts of credit cards are debts that cannot be recovered after repeated collection, including loss of connection. The identification of bad debts needs to be reported to the higher authorities for approval. After the credit card is overdrawn, if it is not paid back for a long time, it will form bad debts for a long time. So, what are the conditions for writing off bad debts of credit cards? What are the conditions for writing off bad debts of credit cards? According to the management method of bad debt write-off, credit card overdraft must go through legal procedures such as court proceedings and public security reporting. Or have recourse 1 year or more, to meet the verification conditions. Moreover, after taking all possible measures and implementing the necessary procedures, the unrecoverable overdraft can continue to be identified and written off. If it is necessary to write off the bad debts of credit cards, it is necessary to submit the bad debt write-off declaration form and approval materials, detailed materials of creditor's rights and equity, cardholders, guarantors and guarantee methods, basic information and current situation of the invested enterprises, property liquidation, etc. The investigation report of the company, including the causes of bad debts, the remedial measures taken and their results, the specific recovery process and proof of cardholders and guarantors, the disposal of collateral, and the relevant handling documents for responsible persons, are all materials that need to be prepared. Generally speaking, it is necessary to provide conclusive evidence to write off credit card bad debts after bank bad debts. Those who meet the prescribed conditions after examination shall be reported at any time, examined and approved at any time, and written off from the bad debt reserve in time. Write-off of bad debts must follow the principles of strict identification conditions, providing conclusive evidence, serious accountability, reporting step by step, reviewing and approving step by step, keeping secrets from the outside world and having accounts to check. Banks shall not conceal non-reporting, long-term losses and cover up non-performing assets.