After a credit card (debit card) is written off, no late payment fees and interest will accrue from the date of write-off, but the previous debt will not disappear. In other words, if the user's credit card (debit card) is written off by the bank, the user still needs to repay the previous balance. Otherwise, the overdue credit card (debit card) record will always be retained in the personal credit report, and it will be more difficult for subsequent users to apply for credit loans.

As long as the credit card (debit card) debt is settled, the overdue records will only be retained for 5 years from the date of settlement, and the overdue records will be automatically deleted after 5 years.