You don’t need to go to the counter in person. If you want to repay at the counter, you can go to the bank counter. But in addition to repaying in Taiwan, there are other ways to handle credit card repayments:

The first method is to bind a savings card for repayment, and then the bank will automatically deduct the amount on the repayment date each month to avoid overdue payments due to forgetting the repayment date.

The second method is to repay through online banking transfer. Generally, there is no need to pay any handling fee for peer transfer, which is very convenient.

The third way, you can also repay your credit card online through WeChat or Alipay

The fourth way, you can also repay it through an ATM machine.

The consequences of an overdue credit card are much more serious than you think.

First: If a credit card is overdue for a long time, it can be pulled by the bank's blacklist, that is, it can become a black door. Once blocked, the life of the cardholder will be seriously affected. For example, people who want to handle transactions and finances will not be able to do so, and flights, high-speed rail, and high consumption will be restricted.

Second: Credit card overdue fines and penalty interest will continue to increase. The monthly annual growth rate of interest is 5, and the default penalty increases by 1.5. The debt amount is large and will not be decimal. When a credit card expires, the interest exemption disappears and the cardholder must pay the penalty. Interest keeps piling up.

Third: For long-term overdue defaults and non-repayment, the bank may identify the goods as maliciously overdue and will be sued by the bank. Once the bank only sues in civil disputes, the cardholder will bear civil liability.

Contact the bank promptly after the credit card expires, explain the actual situation to the bank as soon as possible, apply for an installment payment stop interest reimbursement agreement, change the arrears, and minimize the loss of ability.

The consequences of defaulting on your car loan

1. Penalty interest. As long as it is overdue, penalty interest will accrue, that is, a certain percentage of interest will be charged on the basis of the original interest.

2. Being listed as dishonest. If you are overdue for future loans and purchases, bad records will inevitably be left on your credit report. If the circumstances are serious, not only will the person be included in the list of dishonest persons subject to enforcement, but it will also affect future real estate loans.

3. Facing litigation. Generally speaking, after a certain period of overdue payment, the bank will issue a collection announcement. If the collection is ineffective, the bank will sue the borrower and use legal means to safeguard legitimate rights and interests.

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