If it is an annual fee or a bank fee, you can communicate with the overdue bank to see if you can apply to the People's Bank for cancellation of bad records.

If the overdue is caused by the amount of my consumption, it will be more difficult to deal with it, depending on the number of overdue and the longest time of continuous overdue. Generally, it is better to solve the problem within the scope of continuous accumulation, that is, the situation is not serious, so the probability of refusing the loan is not great.

There is another way: wait five years and automatically update the credit record of the People's Bank of China.

Or just try to prove the internal relationship of overdue banks.

Only the above methods can solve the credit problem.