If the overdue payment has been "specially handled" by the bank, such as write-off. . . . The current record can't be found at the counter or the card center.

You can only go to the accounting department or asset preservation department at the branch level to inquire. . .

However, I suggest you go to the Credit Information Center of the People's Bank of China to check your credit information records and see if the situation is serious. . .

Then check the arrears. . . . After contacting the bank, the bank will guide you what to do next. . . Could you return it as soon as possible?