There is no credit card problem. As long as the credit card is not overdue, there is no bad credit problem. If there is a bad credit record, there is no way to brush it back.

Reputation, if it is Taobao's reputation, is not aimed at credit cards, but an account is frequently purchased in a store every week or month, and Taobao's backstage will generate an early warning of brushing reputation, which will cause great losses to the store.