Once bad credit card records are formed, it is difficult to eliminate them. Here are a few ways to eliminate them:

1: If an individual has bad records due to credit card repayments or annual fees, etc. If you have a bad credit record, as long as you are sincere and proactively contact the bank, explain the reasons and take appropriate remedial measures, the bank will usually help customers eliminate the bad credit record.

2: Eliminate negative records and their impact based on the refresh coverage system of credit records. Since credit card records basically only show the records of the last twenty-four months, past records are difficult to query, so when When you have a negative credit card record, do not cancel the card: as long as you repay on time in the next two years and no new bad records appear, the original negative credit record will be overwritten and good credit will be re-formed. Records

3: There are no clear relevant regulations in China that say how many years bad credit card records will be kept. Generally, everyone defaults to 5 years by word of mouth. Generally, bad credit card records may be automatically eliminated after 5 years, but they may not always be eliminated. You should pay attention to this.