The credit card has been paid off for two years, and it is still a bad debt. In 2009, I applied for a student U card of Agricultural Bank of China at school and activated it once. Then the card was lost, and it was useless. In fact, the correct way is to pay off the debt, continue to use the credit card, and remember never to cancel the card. At present, the bank credit record stipulated by our country only records 24 months, that is, the use of credit cards within one year, so these negative information can be completely eliminated because of the passage of time. That is to say, if you pay off your debts and have a bad credit card record, as long as you insist on paying back in full and on time for two years, your bad credit record will be eliminated by time, and your personal credit will return to normal.

Proper use of credit cards and timely and full repayment can improve our credit record and credit limit, so maintaining good credit is our usual attention. However, don't be nervous even if you have a bad credit record. If you do it correctly, you will be eliminated and will not affect future credit loans.