Overdue credit cards will result in high penalty interest and liquidated damages, damage to the borrower's credit, harassment by various means of collection, and impact on other lives: becoming a dishonest person, affecting consumption, Travel, children’s education, etc. If you owe a credit card and have no money, you will be reported to the credit report, leave a bad record, pay high penalties and interest, and have your card blocked by risk control. In serious cases, you will be involved in credit card fraud and be subject to criminal penalties.

1. How to deal with overdue credit card repayments

1. Ask relatives and friends for help. Borrowing money from relatives and friends to repay a small credit loan is the most direct way, and it is also the first thing that comes to mind in life. Once the personal funds are turned over, repay the money to them.

2. Apply for extension. Many lending institutions can apply for loan extension. If the borrower's small loan is overdue, the borrower can apply for loan extension from the lending institution. As long as the borrower has sufficient reasons, I believe the lending institution will be lenient. By applying for a loan extension, the borrower will not be charged penalty interest, and there will be no stain on his or her personal credit record.

3. Use credit cards skillfully to repay. If the borrower has a credit card, he or she can use the credit card to withdraw cash to repay the small loan. Generally, the loan amount of small loans is not very high. Individuals can use the money used for personal living expenses for repayment, and try to use credit cards for consumption. This method is actually considered a credit card repayment. Therefore, borrowers can use credit cards to repay small loans.

4. Apply for installment. If you really do not have the ability to repay, you should negotiate with the credit company to extend the repayment period or repay in installments.

2. What will happen if the credit card is overdue?

1. Overdue credit card will result in high penalty interest and liquidated damages;

2. Credit damage;

3. Being harassed by various means;

4. Affecting other lives:

Becoming a dishonest person, affecting consumption, travel, children's education, etc.

3. Will credit card installment repayment affect the credit score

1. Credit card installment repayment will not affect the credit score, but if the cardholder applies for installment repayment, it will not affect the credit score. After making the payment, you still cannot repay it on time, which will affect your personal credit score.

2. The handling fees required for credit card installment repayment are the main source of bank profits. Therefore, appropriate installment repayment will not only not affect your credit score, but will also help increase your credit card limit.

3. The installment amount is the amount that must be paid on time before the due date of the bill in order to maintain a good credit card record every month. Having no money on a credit card will also affect the borrower's credit and bring endless troubles to the borrower. If the amount of credit card consumption is relatively large, or the amount of borrowing is relatively large, then we can choose to repay in installments, which can reduce the pressure of repayment and avoid overdue behavior. The above is what I have compiled. If you encounter a dispute, you still need to analyze the specific issues in detail. If your problem cannot be solved, you can consult a lawyer.