If your card is overdue for more than three consecutive months and is suspected of avoiding the bank's collection, your card will be suspended and prosecuted, and you will be blacklisted by the bank.

After a credit card enters the blacklist, do not cancel the card and just maintain normal consumption for a long time. Usually after 2 years, that's it. That is, within one year, if someone opens your credit report and takes a look, they will see that there was one bad record before. As long as the subsequent ones are good, the bank can take it into consideration. Bad records will lead to negative points, but as long as you maintain good records for a period of time, the total points will naturally rise again. The method to eliminate bad credit card records is simple: spend more money with your credit card and repay on time.