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Can credit card overdraft loss write-off still be used?

No.

Writing off is a bank action. Even if the bank does not regard this customer as a non-performing asset, it does not mean that the bank does not owe money. After write-off, the customer still needs to fulfill the repayment obligation. Long-term non-repayment has been recorded as a bad personal credit report.

Solutions to personal bad credit records after a credit card is written off:

1. Ensure that the debt is paid off in a timely manner and all fees are paid. After five years, the bad records will be automatically cleared and loan business can be handled normally.

2. If the loan is not repaid, the bank can retroactively increase the non-recording period to five years after five years. If the circumstances are serious, it can be traced back to permanent storage.

3. During the period of poor credit reporting, you are not allowed to purchase train tickets or air tickets for travel. During the period of bad credit reporting, you are not allowed to take out loans or use credit cards. During a period of bad credit reporting, traveling abroad is subject to certain restrictions.

Extended information:

Notes:

1. When repaying a credit card, the cardholder should first offset the outstanding bill, and then offset the outstanding balance. Bills; even within the same bill, there is still the issue of repayment order. Generally speaking, the order of repayment is: annual fee, interest, installment or cash withdrawal fees, then the cash withdrawal principal, and finally the principal of card consumption in the current period.

2. The bank credit card center implements a rate standard ranging from 0.5% to 3% for credit card holders' cash withdrawals, and the amount of cash withdrawals will also be charged an interest of 0.05% per day, depending on the actual situation. The number of days is accumulated.

3. Since the government authorities do not clearly stipulate the corresponding relationship between the period and the five-level classification period, each bank often makes provisions according to its own understanding and income status, resulting in the bad debt provision ratio and withdrawal amount of each bank. There are large differences, which is not conducive to unified supervision by regulatory agencies and is not conducive to fair tax standards.

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