The Bank of China credit card has been written off, which is a way for banks to deal with irrecoverable debts and has been recorded as a bad personal credit report.

Writing off is a bank action;

Just because the bank no longer treats this customer as its non-performing assets, it does not mean that it no longer owes the bank money;

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

Bad personal credit record:

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

Bad records can be automatically cleared after five years, and normal operations can be resumed by then Handle loan business;

If repayment is not made, the bank can trace it back once after five years, and the non-recording period can be retroactively increased to five years;

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

During the period of bad credit reporting, you are not allowed to buy train tickets or air tickets for travel;

During the period of poor credit reporting, you are not allowed to take out loans or use credit cards;

With poor credit reporting During this period, traveling abroad was subject to certain restrictions.