I have a credit card with the Agricultural Bank of China that is expected to be paid off for more than 90 days. It has been a long time since I paid it off, but my credit report shows that there are bad debts. How can I apply for elimination?

Hello! According to your description, if you have a credit card with the Agricultural Bank of China that is overdue for more than 90 days and has been paid off, but there are still bad debts shown on the credit report, and you want to apply for elimination, you can do so in the following ways:

1. Check your credit report: First, carefully study your credit report to make sure there are no other unresolved issues, such as other loans or past due credit cards.

2. Contact the bank: Contact the customer service department of Agricultural Bank of China and explain to them your situation on the credit report. Explain that your payment on the credit card is complete and ask them to verify and correct the bad debt information on the report.

3. Provide evidence: Prepare relevant evidence to support your claim. For example, be prepared to provide proof of repayment, bank statements, or other materials that prove you have paid off overdue amounts.

4. Submit an application: According to the requirements of the Agricultural Bank of China, fill in the application form and submit evidence to apply for the elimination of bad debt information in the credit report. Highlight your repayment history and credit restoration efforts on your application.

To sum up, to solve the problem of bad debts on your credit report due to overdue credit cards from Agricultural Bank of China, you need to contact Agricultural Bank of China customer service and provide evidence to prove that the overdue amount has been paid off. And fill out the application form highlighting your repayment history and credit restoration efforts. Please note that this process may require some time and patience.

Extended information: Maintaining a good credit record is very important for personal financial status. If you encounter errors on your credit report, you should contact your bank or credit institution promptly to resolve the issue. Credit report is one of the important basis for assessing personal credit status. Timely correction of erroneous information has a positive impact on personal financial development and loan application.

I hope the above information is helpful and if you have any further questions, please feel free to ask me. Thanks!