Whether the overdue repayment of credit cards can be used normally depends on the time and amount of arrears. If the repayment is made in time within the grace period, it will usually not affect the use of the card. If the overdue time is short, it may resume normal use after repayment, or it may be reduced or exempted by the bank. If the overdue time exceeds 3 months. Then the bank generally thinks that the card is maliciously overdue and frozen. At that time, after paying off the arrears, the cardholder needs to bring his ID card to the relevant bank outlets for thawing before he can use it normally.
After the credit card is overdue, it will leave an overdue record in the personal credit record, which will affect the cardholder's handling of line business, such as loan financing and credit card business.
Whether the credit card can be used normally after the full repayment is frozen after it is overdue depends largely on the length of overdue time and overdue amount.
If the overdue time is long or the overdue amount is large, even if the repayment is made in full, the bank may cancel the cardholder's qualification for using the card because of avoiding risks.
After confirming that our credit card is frozen due to overdue, what we have to do is to pay off the arrears first, including the interest generated during the overdue period.
After paying off the debt, we can call the credit card center to explain the situation and apply to the issuing bank for unfreezing. However, the success of thawing depends on whether the cardholder can pass the evaluation of the issuing bank.
If the cardholder has been using the card in good condition, but this time the limit is frozen due to overdue, then the freeze can be lifted and the card can be reused after repayment. For users who are often overdue, even repayment may not be able to unfreeze.
After the credit card unfreezing application is successful, it is recommended not to cancel the account, and continue to use it normally for at least 2 years, so as to prevent the overdue from happening again.
As we all know, the longest retention period of personal bad credit records is five years, but credit cards not only record the current situation, but also record the repayment information of the last 24 months. If the account is closed, the information will stop updating, and the old negative information cannot be replaced by the new repayment information.
Therefore, it is recommended that the credit card be kept for at least 2 years after successful thawing, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.
The fare for Didi Chuxing can be paid by PayPal or WeChat, and another way is to pay directly by bank card. However, if you want to use a bank card to pa