How is a credit card write-off reflected in the credit report?

1. After manual bad debt write-off on credit card, repayment is required:

① Write-off is a bank behavior;

② It means that the bank does not regard this customer as its own Having non-performing assets does not mean that you no longer owe the bank money;

③ After write-off, you still need to fulfill your repayment obligations. Long-term non-repayment has been recorded as a bad personal credit report.

2. Bad personal credit records:

① Ensure that the debt is paid off in a timely manner and all fees are paid;

② Bad records can be automatically cleared after five years , then the loan business can be handled normally;

③ If the repayment is not made, the bank can retroactively increase the non-recording period to five years after five years;

④ If the circumstances are serious, , can be traced back to permanent storage;

⑤ During the period of bad credit reporting, train tickets and air tickets are not allowed to be purchased;

⑥ During the period of poor credit reporting, loans and credit cards are not allowed;

⑦ During the period of bad credit reporting, traveling abroad is subject to certain restrictions.