There are many reasons for credit card breach of trust, including not paying back the arrears and being included in the list of dishonesty. If the arrears are overdue for half a year or more, no matter how much, it will cause credit card dishonesty. Overdue repayment for several months, malicious overdraft, malicious cash withdrawal and poor use record may all lead to the freezing of credit cards. So, how to restore credit card dishonesty?

How to recover credit card dishonesty?

1 It is best to repay in full and explain:

Pay off the arrears and overdue fines as soon as possible after being included in the list of dishonesty due to overdue. Generally, after paying off the debt, you will maintain a good personal credit within five years, and the credit information of the central bank will be deleted from the list.

You'd better keep using this card:

After the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, during which the credit will be maintained, and the bad records will be cleared from the credit information system by rolling records.

3 unable to repay should be promptly explained:

If the cardholder can't repay the loan on time due to unemployment, illness or accidents, before the deadline for repayment comes, it's best to take the initiative to contact the bank credit card center, state his financial situation, declare that he is not in bad faith, and apply for deferred repayment and interest concessions.

If the cardholder is included in the dishonesty list because of false information, and the cardholder has any objection to the false information, he can apply to the local branch of the People's Bank of China for objection, and generally get a reply within 15 working days. Once verified, the cardholder's information will be deleted from the blacklist immediately.