How to deal with overdue credit card collections? Don’t avoid the collection staff, don’t have unnecessary conflicts with the collection staff, and don’t play “missing”, because as long as you are overdue, you will pay as usual every next month, it’s okay. So worried. Negotiate repayment with the bank: If there is a problem with your personal financial ability and you are unable to repay the entire amount, you can settle. Negotiate repayment and ask the bank to extend the repayment period or reduce the interest, but do not avoid the bank's collection. In this case, credit card interest will only increase. The editor below will give you detailed answers. If you have other credit card questions, you can click on the link at the end of the article for legal consultation and let a professional lawyer take care of your worries.

1. What should you do if a collection agent comes to your door after your credit card is overdue? 1. Don’t avoid the collection agent: When a bank collection agent comes to your door to urge you, the person with a good attitude should not interact with the collection agent. If unnecessary conflicts occur, don't play "missing", because as long as you repay the loan as usual every month after it is overdue, there is nothing to worry about. 2. Negotiate repayment with the bank. If there is a problem with your personal financial ability and you cannot repay all the money, you can negotiate with the bank for repayment and ask the bank to extend the repayment period or reduce the interest, but you must not avoid the bank's collection. Credit card interest is only going to get higher.

2. What are the consequences of an overdue credit card? 1. Overdue credit card penalties; 2. Overdue interest; 3. Bad credit record; 4. Criminal liability for malicious overdrafts; 5. Overdue credit card repayment records will be It will be recorded in the central bank's credit reporting system, resulting in a bad credit record; 6. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft.

3. How long does it take for a credit card to be subject to a credit report if it is overdue? 1. More than 3 months; if there are 6 or more overdue behaviors in 3 months, the bank will set you up for credit reporting blacklisting. list, and this list will be uploaded directly to the central bank center, then you will not be able to apply for credit services in the next five years, and the impact on you is actually still very big. 2. Overdue for three consecutive times; if the credit card is overdue for three consecutive times, the bank will characterize it as a malicious overdue credit card. Once it is determined as a malicious overdue credit card, the consequences will be more serious than the consequences of an overdue credit card. Banks will also initiate legal measures to protect their own rights and interests in accordance with the law, and the scope, breadth, and depth of the negative impact will be unimaginable. There is a grace period if repayments are not made on time. If you repay the money within the grace period, there will be no penalty interest and it will not be uploaded to the credit bureau system. However, if the money is not repaid after the grace period, it may be uploaded to the personal credit system. The grace period of each bank is different. Most banks have a grace period of 3 days. If you still want to know more about credit card issues, you can consult an online professional lawyer.