After the credit card enters the blacklist, don't cancel the card, as long as you maintain normal consumption for a long time. Generally, it will be fine after 2 years. That is, 1 year, people opened your credit report and found that there were 1 bad records before. As long as the latter is good, banks can consider it comprehensively.

Bad records can lead to negative scores, but as long as you keep good records for a period of time, the total score will naturally rise again. The way to eliminate bad credit card records is simple: swipe more credit cards and repay them on time. So, don't fold after being blacklisted. What you should do is to respond positively. I hope my answer can help you ~ if you don't understand anything, you can continue to consult me ~