1. What should I do if my friend owes a credit card and has no money?

1. Choose installment repayment: When the amount is too much, installment repayment can alleviate the short-term problem. Pressure will not cause excessive interest;

2. Postponement of repayment: Go to a bank branch to apply for postponement of repayment, determine the repayment date, and there will be a corresponding postponement of repayment;

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3. Go to the bank to discuss repayment: It is very troublesome to pay off your credit card if it is overdue. After two reminders from the bank and failure to repay within 3 months, it can be judged as a deliberate overdraft, so go to the bank before it is overdue. Negotiate.

2. Credit card information

1. Credit card is an overdraft tool provided by banks to users. When using credit cards to consume, you must pay attention to the need to repay after consumption. Users need to keep in mind the credit card repayments. If the payment is not repaid within the stipulated time, the user is likely to be overdue, and will be subject to bank collection and penalty interest, and personal credit will also be affected;

2. Can be used Credit card installment repayment and minimum repayment. When a credit card customer cannot pay off the balance in full within the specified period, in order to avoid overdue behavior, he or she can choose to apply for credit card installment repayment or minimum repayment. However, this Both repayment methods will cause costs;

3. It is best not to use credit cards to withdraw money. Credit cards are mainly used for overdraft consumption. Banks encourage users to use credit cards to spend more, but do not encourage withdrawals. In order to ensure more To prevent cash out, there are certain costs for credit card withdrawals. The bank will deduct the withdrawal interest based on the daily interest rate of 0.05% from the date of withdrawal, and will continue to deduct a certain surcharge based on the withdrawal amount.

3. Credit card application conditions are as follows:

1. The person must be 18 years old or above, and the party concerned must have full capacity for civil conduct;

2. The person applying for the card Have legal and stable salary income and no bad credit record;

3. The card applicant must provide a valid personal identity document;

4. Provide the bank with personal proof of employment and income. Proof and proof of financial status, etc.;

5. Provide personal proof of residence, copy of household register or certification materials from the subdistrict office, etc.

4. The characteristics of credit cards are as follows:

1. It is not encouraged to deposit cash in advance. Spend first and repay later. It enjoys an interest-free repayment period and can repay in installments independently (there is a minimum repayment fee). amount), join VISA, Master Card, JCB and other international credit card organizations so that it can be used globally;

2. It is one of the fastest growing financial services today and can be replaced within a certain range. Electronic currency for traditional cash circulation;

3. It also has payment functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

4. It is a high-tech product that integrates financial services and computer technology;

5. It can reduce the use of cash currency.

To sum up, Squirrel, there are many ways to solve the problem of having no money to repay your credit card. First of all, you can ask your relatives and friends to borrow money to solve the current predicament; secondly, you can directly choose the minimum repayment amount in the credit card, but after choosing this, new interest will be charged; finally, the borrower can also contact us to open a card Bank, truthfully explain your situation and discuss future repayment plans.