When I was in college in 28, I was tricked into getting a student card by ICBC. Now I know it's a credit card, and what should I do if I still owe the handling fee?
If your card has never been used and has never been activated, it will not be updated. Bad credit update means that you must use the card for five years without any overdue, and once this card is cancelled, your bad record will never be updated. However, you are in arrears due to bank charges. You can ask the bank to help you erase your credit record. If the bank refuses to modify it for you, you can make a complaint.