I have a credit card in ABC for more than 90 days, which has been paid off long ago. But the credit report shows that there are bad debts. How do I apply for cancellation?

According to the information you provided, if your ABC credit card is overdue for more than 90 days and has been fully paid off, but there are still bad debts on the credit report, you can apply for cancellation through the following steps:

First, contact the customer service department of Agricultural Bank of China, explain your situation to them, and provide the vouchers that you have paid off, such as repayment records and bank running water. Let them update your repayment information to the credit information system in time.

Secondly, submit the complaint materials to the local branch of the Credit Information Center of the People's Bank of China, including your identity certificate, credit card repayment voucher, etc. Explain your situation in detail and emphasize that you have paid off your bad debts.

At the same time, you can check your credit report with the Credit Information Center of the People's Bank of China, and keep relevant evidence for your appeal. Make sure you have enough evidence to prove that you have paid off your overdue debts on time.

To sum up, if your credit card is expected to be in the Agricultural Bank of China for more than 90 days, and it has been paid off, but the credit report still shows bad debts, you can contact the customer service department of the Agricultural Bank of China, appeal to the Credit Information Center of the People's Bank of China, and prepare relevant evidence materials to solve this problem.

Please note that the above are general suggestions based on the information you provided, and do not represent specific situations. The specific solutions may vary according to individual circumstances and bank policies. I suggest you get in touch with the customer service department of ABC in time to understand and solve this problem according to their specific requirements.