Processed by the card issuing bank. To issue a settlement certificate, you need to go to the card-issuing bank, but generally the card-issuing bank will have certain requirements for issuing the certificate, and it will only be issued if the conditions are met. The conditions required by most banks to issue a certificate are: good credit, no malicious overdue behavior, and the credit card debt has indeed been settled. Some banks have stricter requirements and will not issue relevant settlement certificates if there have been two or three malicious overdue behaviors.