1, overwriting bad records. Credit card records only show the last 24 months, and previous records are generally not queried. So don't cancel your credit card after you have a bad record. Cardholders need to spend at least 1 yuan per month and repay on time within 24 months after paying off the arrears, so as to cover the previous bad records and regenerate good records without affecting the subsequent credit;

2. Give evidence to eliminate stains. Sometimes, personal credit stains may be caused by banks. For example, the personal sleep credit card generates an annual fee, and it has not received the bank's SMS, phone call and email bill reminder for a long time, and the result is recorded as bad credit. At this time, the cardholder can provide the bank with strong evidence such as mobile phone call records or text messages, and ask for cancellation of bad credit records;

3. Apply for deferred repayment. In real life, some people will miss the repayment deadline because of forgetting, temporary lack of money and other reasons. In fact, in such an embarrassing situation, they should communicate with bank customer service in time and apply for delayed repayment. At present, most banks will provide 1-3-day delayed repayment service, which is still relatively humanized.