It is still necessary to repay the bad debts manually, otherwise it will lead to no loans in the future. You can go directly to the counter of the bank to which the credit card belongs to handle the repayment business.

Reasons for repayment after manual write-off of credit card bad debts:

① Write-off is a bank behavior;

(2) The bank does not regard this customer as its own non-performing assets, which does not mean that it does not owe the bank money;

③ Repayment obligations still need to be fulfilled after write-off, and long-term non-repayment has been recorded in personal bad credit information.

Extended data:

Solutions to personal bad credit records after credit card cancellation;

(1) Ensure timely payment of arrears and all expenses;

② Bad records can be cleared automatically after five years, and loan business can be handled normally at that time;

(3) If the repayment is not made, the bank can trace it back once after five years, and the non-recording period will be increased by five years;

(4) If the circumstances are bad, it can be traced back to permanent preservation;

⑤ During the period of bad credit investigation, you can't buy train tickets or plane tickets to travel;

6. Loans and credit cards are not allowed during the period of bad credit investigation;

⑦ During the period of bad credit reporting, travel abroad is restricted to some extent.

Baidu Encyclopedia-Write-off of Bad Credit Cards