Bad debts refer to those that have passed the repayment period, can't be recovered after collection, are in a sluggish state for a long time, and may become bad debts. Simply put, it is an account that has not been paid off for a long time.

Bad debt is a serious credit overdue, but it is different from ordinary arrears, and will not generate additional interest, and the amount of arrears will not change until it is settled. Bad debts will be shown in the personal credit report, which will seriously affect personal records.

In case of the above situation, you should contact the issuing bank in time, provide relevant evidence to the bank, and ask it to write off this "bad debt" record or properly handle it to eliminate the negative impact of customers. If both parties can't reach an agreement, they can raise an objection to the Credit Information Center and make corrections.