If the user still shows bad debts in the credit information after paying off the money, it may be because the user did not immediately contact the credit information center of the central bank to eliminate bad debts or update the credit information in time after clearing the bad debts, or it may be because the user only cleared the overdue debts without clearing the interest or liquidated damages. The solution of bad debts takes two steps. The first step is to settle the arrears, and personal credit records will change from bad debts to overdue. The second step is to wait five years before the overdue records are deleted from the personal credit records. Users can wait 2-3 working days to inquire about personal credit after settling overdue debts. Just returned the money, it is very likely that their personal credit information has not been updated. That's why payment is still related to bad debts.

How to eliminate bad debts

1. General bad debts: bad debts arising from outstanding debts need to be settled immediately. Users can go to the bank to apply for a certificate of unintentional overdue, try to negotiate with the bank whether the bad debt record can be deleted, or wait for the personal credit record to be automatically deleted after five years, so as not to affect future loans;

2. Credit card overpayment bad debts: Users only need to take out the overpayment or spend it and ask the bank to help them deal with it as soon as possible, so as to eliminate the impact.

This article mainly talks about the knowledge of why credit or bad debt is after payment is completed, and the content is for reference only.