It is said that a good credit record should be maintained before the credit card is issued. Banks, whether malicious or not, can use credit cards for another two years without any bad records as long as all credit cards are automatically uploaded to the central bank's personal information database after the deadline, and can borrow money. Otherwise, you can only borrow money in the name of your family or find a private guarantee company, but you have to pay a certain guarantee fee. It is also necessary to mortgage with real estate license, which is the only choice. Let the bank issue a certificate that there is no debt at present to see if it can be handled. There is no other choice. I was three days overdue a year ago, and now I have to apply for another bank credit card. Banks come according to policies and are not soft on our people.

First, take my ID card to the local people's bank branch to transfer a copy of my credit information for confirmation. If there is no overdue record, of course, it is best. If there is such an overdue record, take it as a lesson for yourself, and then call customer service to make the necessary explanation. There is no other way. There is no way to recover it so far. At most, when you need it, the bank will issue you the corresponding certificate. Credit card information is generally recorded in the last 24 months. After two years, your records will no longer be seen or noticed, so don't worry too much.