1. Non malicious arrears. Forgot to pay annual fees, late fees, service fees, etc., which are overdue due to unemployment, serious illness, going abroad, etc; Also, they returned the money to other credit cards, which caused them to be overdue. The most important thing in this case is to pay the overdue amount first, and then negotiate with the bank to appeal that the amount owed is not malicious, and ask the bank to coordinate to eliminate the bad overdue records. 2. Bank fault. Some delays are caused by the bank's fault. For example, the annual fee of the credit card has been adjusted but the cardholder has not been informed
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