1. Negotiate with the bank to cancel the record: If the cardholder negligently forgets to repay the loan, resulting in overdue records, and is blacklisted by the bank, he can negotiate with the bank to cancel the record and take the initiative to pay off the loan.
2. Keep a good credit record: If the credit card has been blacklisted, the bad credit record will be kept in the central bank's credit information system for five years, and it cannot be lifted during this period, so you can only keep a good credit and actively pay off the arrears, waiting for automatic elimination.