Consumption desire, digital consumption, credit cards are easy, repayment is difficult, and the amount can be emptied no matter how high. Empty cards are not terrible. It's a terrible thing. If you brush it, you won't return it. Let's discuss the following points together:
Some people say that the credit card is empty and they can't pay it back. It is better to break a jar than to endure the pain of paying back the money. This is absolutely impossible to do. Be sure to deal with it in time, otherwise it will easily lead to overdue credit information, which will have a great impact on yourself in the future. Then my friends will say, but I have no money to pay back my credit card. What should I do?
Call the bank and ask for a few days' grace. If you call the bank to explain your situation, the bank may have a few days' grace, but it may still be difficult to get the money to pay off the bill within a few days. Really no money can only be the minimum repayment amount of a credit card, and interest will be charged after the minimum repayment amount is repaid, which is also a big expense, and there will be no interest until it is paid off. This will not affect the credit. The card given to you by the bank must be profitable. It doesn't matter. I'm ready to raise money for you to return the card.
I borrowed money from my relatives and friends. It is not easy to borrow money now, so I have to take my chances. Even if the chance is slim, give it a try. If not, you can consider other lending software. It is strongly recommended not to look for lending software until the end. Peer-to-peer lending is as deep as the sea.
First, stop using machines with low hop rate.
Second, five of the nine credit cards are empty, and there are still four. Just count the amount, adjust the billing date of some credit cards, and make a good time difference. Now I have six credit cards, that is, calculating the average amount, adjusting the billing date and repayment date. You can check this on the bank APP, you can also follow the bank card inquiry of the official account of WeChat on WeChat, and you can also call customer service directly. Very convenient. Some banks can operate on their own mobile phones, such as ICBC, and it is very convenient to apply for adjusting the billing date. By adjusting the billing date and repayment date, the consumption peak can be staggered and the pressure of centralized repayment can be alleviated.
Third, try to spend in physical stores and pay less by scanning the code. Some banks don't like online consumption. You can consult the bank's customer service to find out the cardholder's preferences.
In addition, at present, the collection codes of some shops are free, because banks can't earn you, so brush less.
The most important thing is not to empty it, leaving at least 20% of the quota.
Finally, don't be overdue! Don't be overdue! Don't be overdue! Say the important things three times.
A little personal advice I hope can help you.
Humble opinion, don't spray [pray] [pray] [pray] [pray] [pray]
It should be noted that the actual fee for credit card installment is much higher than the rate given by the bank, because no matter how many installments you repay, this fee is calculated according to the total amount of the bill and will not decrease with your repayment, and the remaining undistributed fee for early repayment after installment may not be exempted. This needs attention.
Second, according to the minimum repayment amount.
If you can't repay in full within a short time, you can repay according to the minimum repayment amount of the current bill. The minimum repayment amount of most banks is 10% of the bill amount. For example, your bill is 1000 yuan. As long as you pay 1000 yuan this month, it will not be overdue and will not affect your credit.
However, it should be reminded that after the repayment is made according to the minimum repayment amount, the unpaid amount in this period will no longer enjoy the interest-free period, and interest will be calculated at the daily interest rate of five ten thousandths from the date of swiping the card until you pay it off in full.
Third, modify the bill.
If you have no money to pay back the credit card, but you don't want to pay interest to the bank, you can extend the repayment date by modifying the bill.
The premise is that the issuing bank supports the modification of the billing statement, and you must meet the conditions for modifying the billing statement, that is, the card status is normal, the card is used well, and there is no overdue, especially there can be no installment. There are also skills to modify the billing date, preferably the day before the billing date, so that you can enjoy the longest interest-free period.
The above is the introduction of "what should I do if my credit card is maxed out and I have no money?" . In short, after the credit card is maxed out, you have to pay it back anyway. If it exceeds the time limit and affects your credit, don't regret it. The above methods only reduce the repayment pressure for you, but you still have to pay it back in the end. You can choose one according to your actual situation.
When I went to the bank to apply for installment repayment, my cousin just borrowed money from various loans because his credit card was maxed out and he had no money to pay back. Finally, like a snowball, the bigger the snowball, the higher the interest. At first, he kept it from home, and all kinds of reminders threatened to call. In the end, his family collected hundreds of thousands, and now there are still tens of thousands left. It's okay. Don't overspend.
You should still have two normal credit cards. Your financial crisis has emerged. I suggest you stop loss in time and stop TX. The POS recommended to you in the market is not recommended to be used again. The POS area is the regulatory gray area of the credit card payment industry, and the YH backstage knows all about your consumption details, so I will send you a message to let you use your credit card correctly. Or try to earn money and gradually cancel credit cards, open source and reduce expenditure.
I tell you from the experience of someone who has been there before that I would rather overdue my credit card than borrow an online loan. Loans are vampires. That's how I got into debt. If the credit card is overdue, you can also negotiate with the bank for personalized installment repayment, and there is a chance to go ashore. Online loans are different. The more you owe, the greater the interest. All the money earned in the end is charged into online loans. After your loan is overdue, you can collect it.
Find relatives and friends who can borrow it, pay the minimum repayment first, then recycle it, pay interest every month, then pay it back while working, and slowly go ashore. As long as you try to pay back as much as possible without affecting the credit information, because the bank's money will be credited. If the credit information is affected, buying a house and buying a car will be affected in the future.
At present, you have used half of your card. I suggest you use one card to swipe your card, which is the best. If the credit limit is not enough, then two cards will be swiped together. Generally, you don't swipe your card, and all five cards are emptied. And the space for swiping cards is not good. You must keep the credit limit at around 65,438+00%. Under normal circumstances, everyone uses credit cards according to each card. Then the rest of the mayors have to run back and forth, but the bank has reminded you to use your credit card reasonably and regularly, which proves that your card has certain risks and may be downgraded at any time. In order to prevent the possibility of degradation, try to make the card well. For example, more consumption, online shopping and supermarket shopping will make your card better, and then resume such diversified consumption after three months. It is a good habit to keep credit cards. Banks don't like to use up all their credit cards, but want others to spend more by credit card. You must master the rules of using cards well, so that you can increase more credit cards.