1. What should I do if my credit card is overdue to the Justice Bureau?

1. Express my willingness to repay to the bank:

When my credit card is overdue, you must never ignore it. First of all, you should get in touch with the bank, show your current economic situation, and take the initiative to express your willingness to repay. I hope the bank will coordinate and customize a reasonable repayment plan, and then make efforts to make money and slowly pay off the arrears.

2. Keep the call open:

Bank staff will keep contacting you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should clarify your willingness to repay and the current economic pressure in time, and beg for some time.

3. Stop paying the credit card:

If the cardholder's use of the credit card is overdue, and it is really impossible to repay the amount required by the bank, he can apply to the bank for an extension, or sign a personalized installment agreement, repay the cardholder according to the agreed amount every month, and return to his normal life, stop collecting the penalty interest and stop the collection.

2. Can you continue to use the credit card after it has been paid off overdue?

1. Whether you can continue to use the credit card after it has been paid off overdue mainly depends on whether the credit card is overdue or not. Generally speaking, if the credit card is not overdue, it can be used continuously, and the bank will not freeze the credit card, as long as it has maintained a good credit record for use.

2. However, if the overdue credit card is serious, the bank will basically freeze the credit card, and even if the cardholder pays off the overdue credit card after freezing, the bank will not unfreeze it immediately. First of all, the cardholder needs to apply to the bank himself. If the bank passes the application, it can continue to use it. If it fails, it can wait for a while before applying.

3. What is the impact of cancellation after overdue payment of credit cards

1. Cancellation after overdue payment of credit cards will have no impact, but it is recommended that you do not cancel, because cancellation after overdue payment of credit cards will not cancel overdue records. If we can continue to use overdue credit cards, it will still be very beneficial to us.

2. Continuing to use the credit card can refresh the credit record, and cover the previous overdue bad credit record with the new credit record. After keeping it for two years, the bank will approve if we want to apply for other loans. Otherwise, we can only wait until five years later, and the credit information system will automatically delete the overdue records.

don't panic if the arrears are overdue. The legal affairs will assist in the negotiation, and the professional team lawyers will plan the repayment plan for you.