How to deal with bank bad debts (taking China Bank as an example): Bring your ID card to the local China Bank outlet; Explain to employees the necessity of writing off bad debts; Pay off the money owed by the credit card; Let the bank staff issue a certificate; If you enter the blacklist of bank networking, it will take at least five years to eliminate this record. The so-called bad debts refer to accounts receivable and temporary payments that have not been paid for at least one month after the debt expires and are in a sluggish state but have not yet been determined as bad debts. There are two main reasons for bad debts. One kind of bad debts caused by overdue repayment is general bad debts, and the other is bad debts caused by premiums.

1. What are bad debts?

Overdue, sluggish and bad debts, the latter three categories are "one excess and two retention", collectively referred to as non-performing loans. This is a classification method for fiscal and taxation policies under the planned economy system. The definition standard of non-performing assets is the term. If the loan principal and interest are overdue for more than 65,438+080 days, the loan interest is overdue for three years, and the lender escapes or is approved by the State Council as a bad debt. Write-off of bad debts must be approved by the competent financial department. Write-off of bad debts is regarded as abandonment of creditor's rights, and only ordinary bad debt reserve (65438+ 0% of total loans) is required. General bad debt provision is only related to the total amount of loans and cannot reflect the real loss of loans.

Second, the causes of bad debts and treatment methods

1, bad debts caused by overpayment, treatment method, overpayment withdrawal and write-off. Under special circumstances, it is relatively simple to deal with the bad debts caused by the annual fee of the second card, and the account can be cancelled after paying off the arrears. In both cases, banks will generally take active measures to deal with bad debts.

2. General bad debt treatment: First of all, you should pay off the debt, and be careful not to pay a penny more. After paying off the debt, you have to close the account. Unlike credit cards that are overdue and not cancelled, bad debts on credit records will not be eliminated. As for whether there will be no bad debts on your credit record after cancellation, it depends. Some banks will update your credit record immediately after you cancel your account, and even put your account into an overdue account.

3. The good thing about bad debts is that there is no additional penalty interest on the arrears. In other words, if you have bad debts of 1000, you only need to repay 1000, and no new penalty interest will be generated.