Method 1: overwrite bad records.
Credit card records only show the last 24 months, and previous records are generally not queried. So don't cancel your credit card after you have a bad record. The cardholder needs to spend at least 1 yuan per month within 24 months after paying off the arrears and repaying them on time, so as to overwrite the previous bad records and regenerate good records without affecting the subsequent credit.
Method 2: Proof of eliminating stains
Sometimes, personal credit stains may be caused by banks. For example, the personal sleep credit card generates an annual fee, and it has not received the bank's SMS, phone call and email bill reminder for a long time, and the result is recorded as bad credit. At this point, the cardholder can provide the bank with strong evidence such as mobile phone call records or text messages, and ask for cancellation of bad credit records.
Method 3: Apply for deferred repayment.
In real life, some people will miss the repayment deadline because of forgetting, temporary lack of money and other reasons. In fact, in such an embarrassing situation, they should communicate with bank customer service in time and apply for delayed repayment. At present, most banks will provide 1-3-day delayed repayment service, which is still relatively humanized.
Method 4: file an objection application
If there are some bad personal credit records inexplicably, you can personally or in writing authorize others to fill in an objection application form at the Credit Information Service Center of the People's Bank of China or local branches, and the central bank will conduct investigation and evidence collection. Once verified as an error, your credit record will be corrected according to the application and investigation results.