CITIC Bank can apply to cancel the overdue record of five-day repayment in loans overdue. There are three ways to eliminate overdue records after credit card and loans overdue. Although it is not applicable to everyone, you can save your personal credit report if you encounter the following situations.

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2. The problem of banks. This situation is very complicated. First of all, the overdue records are indeed due to the bank. A friend was once "stuck", which caused the record to be overdue. In the case of this friend's perseverance, well-founded and argued, the overdue record was revoked. Therefore, if it is the fault of the bank that leads to overdue, we must persist. If not, sue the bank. Being stuck and being loaned belongs to the fault responsibility of the bank, so it is enough to confront the bank politely and legally.

3. Use the card with a correct attitude. If the bank submits the user's credit report to the central bank, and the user's non-malicious breach of contract defense is not recognized by the bank, the bank will mercilessly refuse the user. At this time, what should I do if I sell my card in a fit of pique or continue to maliciously overdue? Although it seems to be the solution, it is actually the best policy. If the user has read his credit report, he will know that the credit card usage record will be updated and the previous record will be overwritten by the heart record. If you want to repair the personal credit record on the credit report, the only correct way is to ensure a good habit of using the card and use it frequently. After five years, the credit will be completely washed away.