1, immediate repayment: if you have the ability to repay, you will immediately repay the arrears in full. In this way, overdue records will be paid off. Overdue records will be automatically cleared by the system after the past five years.

2. Negotiate repayment plan: If it is temporarily impossible to repay the arrears in one lump sum, contact the loan handling bank for negotiation. Explain to the bank that it is temporarily unable to repay the loan, indicating that it is not intentional breach of contract. Try to apply for extending the repayment period or repaying the arrears in installments.