If the credit card is overdue. But we didn't get a phone call from the bank, only a short message from the bank or an email about the deposit. At this time, I need to call the bank to explain the reason at the first time, and what I need to do is to return the money to the bank in time.
The overdue time of the credit card has not exceeded 3 months, and during this period, I have received collection calls from various banks or collection companies. Take the initiative to contact the bank at this time. Express the willingness to repay in communication. Repay in full if you can repay in full. If not, arrange repayment in installments with the bank and pay back the money owed to the bank on time every month.
Overdue is a Chinese character, pinyin is yúqι, which generally means that the corresponding obligations or responsibilities are not fulfilled beyond the agreed time, such as not repaying within the agreed repayment period, not paying taxes and fees in full before the specified time limit, etc.
Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.
Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.
The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.
Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.
It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!
When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.