1. Ignoring overdue: Ignoring overdue is a phenomenon that many people will appear, not deliberately defaulting on loans, which is also the easiest to solve. First, find the overdue money as soon as possible, and then call the bank to explain the reasons. Generally, there is a grace period within 3 days, and the bank can issue a non-malicious overdue certificate after 3 days.

2. Credit card overdue: If the bank credit card is overdue, the first thing to do is to pay off the arrears. Need to be reminded, don't cancel the card immediately and continue to use it. Because in the credit report, the credit card repayment record is a rolling record of the last 24 months. Continued use will clear the expired record, but if the card is cancelled immediately after expiration, the record will be permanently stored there.

3. Being loans overdue: If someone borrows a loan in your name and it is overdue, you only need to file an objection application at the local people's bank, which usually takes 15 working days. After the approval, the overdue records will be eliminated immediately, and your personal credit information will not be affected.

4. Bad records have been generated: If your overdue records have been shown in your personal credit report, don't give up on yourself. The first thing to do is to pay off the loan, and then maintain good credit habits. The automatic repair time of personal credit information is 5 years. After the bad records are generated, as long as the good records are kept for 5 years, the bad records will be automatically eliminated.