First of all, for ordinary bad bank credit card records, if they are caused by bad bank records, you can immediately consult the bank customer service phone. If the plot is minor, you only need to explain that it is not malicious, which usually helps to eliminate the record.

Secondly, the records in the basic database of personal credit information in the credit information system cannot be eliminated. The newly implemented Regulations on the Administration of Credit Information Industry stipulates that personal bad information can be kept for a maximum of five years, and those that exceed five years will be deleted.

In addition, banks usually review customers' credit records in the past two years. Therefore, when there is a bad record, you should continue to repay the loan on time for two years, and the new good credit record will gradually replace the old bad record, otherwise the old record will always exist. Similarly, for consumers who use credit cards, those with overdue records should not rush to cancel their credit cards, because bad records will not disappear because of cancellation. Credit cards that have not been used for a long time should be cancelled in time to avoid bad records due to unknown annual fees.