1. Information coverage method If your credit card is overdue and your credit record is bad, you should first pay off the debt in time, and then don't rush to cancel the card. The credit card records only show the situation for 24 months, so you can continue to use it in the future and generate new records to overwrite the bad records, so that you will only see good records in the future.
2. Proactive remediation. It usually takes one to two months for banks to upload credit card usage records. If you can find a bank to actively handle the matter before the credit report is uploaded, it is possible. Cancel the credit record. The first thing is to repay the debt, and then the reason for the overdue payment is to explain, to show that there is no malicious intention to overdue, and that the card will be used well in the future, and the bank will be more reasonable. The fastest way to apply for a credit card, come and click here to find out
3. Time Elimination Method If the credit report is too dark and has been uploaded, there is nothing you can do. The last option is to wait. . The retention time for stains on credit records is 5 years, but you must ensure that no new bad records will be generated within these 5 years. If you insist on protecting your personal credit record for 5 years, the central bank will automatically eliminate the cardholder's bad records, and your personal credit record will be restored to its original state. Here we introduce to you three major techniques for eliminating personal credit records. I hope it can help you. Generally speaking, it is quite troublesome to deal with bad credit records. The best thing is to avoid overdue payments, pay back in time, and live within your means. Good consumption.