Legal subjectivity: Now is the era of popular credit cards. Many cardholders have less than one credit card. However, with many credit cards and using the cards for a long time, it is inevitable that they will occasionally be overdue. So, what should you do if you accidentally forget to repay your credit card? Method 1: Apply for a time-tolerant repayment credit card, also called a credit card. It is a non-cash transaction payment method and a simple credit service. Considering that there are inevitably one or two careless cardholders among cardholders, major banks provide "time tolerance" services for credit cards. If cardholders are only one or two days overdue, they can immediately call customer service to apply for the "temporary" service, and then pay back the balance immediately. According to the "time-tolerant" service regulations, if there are special circumstances, the cardholder's repayment within three days of the latest repayment date can be counted as on-time repayment, and there is no need to record overdue payments in the personal credit record. Method 2: Submit the "Non-Malicious Overdue Certificate" in a timely manner. If you accidentally exceed the grace time of the "Tolerant Time" service, after repayment, you should promptly submit a "Non-Malicious Overdue Certificate" and apply to the bank to cancel the overdue record. . It is understood that the records in the central bank's credit reporting system are updated once a month, and the data is compiled by each bank and then reported to the database. Therefore, if the cardholder can cancel the record before the bank reports it, it can also ensure that the personal record is good. Method three: Keep using the card well. If neither of the above two methods works, and bad records have been formed and appear in the personal credit report, the cardholder should not cancel the card after repayment, but should continue to use the card to ensure Consume with a certain frequency and repay in full and on time. It is understood that personal credit reports have detailed reports on the repayment records of the past two years. Generally, banks will also look at the repayment records of the past two years when approving credit cards and loans. If the cardholder can continue to use the card after the expiration date, and persist for 2 years, this will generally have little impact on the loan application. However, it will take 5 years to completely eliminate overdue records. Therefore, it is recommended that cardholders should not cancel their cards easily. Ensuring good card usage habits is the fundamental way to eliminate overdue records. If bad records have been formed and appear in the personal credit report, the cardholder should not cancel the card after repayment, but should continue to use the card to ensure a certain frequency of consumption and repay the card in full and on time.