Detailed description:
1. Clean up the credit card debt: contact the bank and make a repayment plan. You can try to negotiate with the bank to extend the repayment period or reduce interest to reduce the burden.
2. Establish a good repayment record: ensure that future debts will be repaid on time. Pay all bills and loans to avoid overdue. This will gradually restore the credit score.
3. Improve personal credit score: Be careful when using credit cards, and don't exceed 30% of the credit limit. At the same time, credit records can be obtained in many ways, such as opening an automatic deduction service for public utilities.
Summary:
For the overdue credit card, the key is to actively cooperate with the bank and establish a good repayment record. By clearing up debts, timely repayment, improving personal credit score and gradually correcting credit records, the success rate of loan application can be improved.
Extended data:
-You can consult the bank about the credit recovery plan, and they may have relevant suggestions and guidance.
-You can check the personal credit report to make sure there is no wrong information in it, and correct any inaccurate records in time.
-Take credit repair courses or consult professional institutions to learn more about credit construction and management.
Supplementary information: If no country information is provided in the question, it will be the case of China by default.