If the credit report is bad because the credit card is overdue, there is no way to eliminate this record. At this point, the record will disappear automatically after 5 years only by returning the arrears and then using this credit card normally. Overdue records will not be processed, and this record will always be in the credit report.
If the overdue record in the credit report is wrong, the cardholder may ask the bank to issue relevant certificates and then appeal to the branches of the People's Bank of China. With sufficient supporting information, this overdue record will be deleted. However, such recording errors are very rare.
Users should never make overdue repayment when using credit cards, because there will be penalty interest after overdue repayment and the burden of subsequent repayment will increase. Moreover, bad credit information will affect the handling of various loans, such as car loans or mortgages. It also affects the amount of credit card increase.
When the credit card is overdue, you can use installment repayment or minimum repayment amount. These two repayment methods can reduce the monthly repayment amount of users and avoid overdue repayment. When using installment repayment, you can choose different installments, and the handling fees for different installments are different. When choosing, you should consider your own income, so that you can repay on time.
Finally, the daily use of credit cards should not exceed 50% of the monthly income, so as to ensure that you can repay on time after spending every month, and there will be no overdue repayment. Moreover, in the case that personal consumption desire can't be controlled, users can set consumption limits or actively reduce credit card limits.