1. How to write the reason for the overdue credit card

The reason for the overdue credit card must be combined with your own actual situation and must be true. The cardholder's overdue content should mainly explain the reasons for the overdue payment, be as detailed as possible, and ensure that overdue behavior will not occur again in the future, expressing his determination to repay on time in the future.

The main purpose of writing down the reason for the overdue credit card is to prove that the credit card holder does not owe money maliciously. Otherwise, when the card holder faces financial events such as home loans in the future, he will often suffer from the past overdue credit card. Influence.

2. Can I still use my credit card after it is overdue?

Under normal circumstances, it cannot be used immediately because the issuing bank will re-evaluate the cardholder's credit after a period of time. As well as financial ability, the credit card can continue to be used normally only after the review is passed.

If the cardholder encounters some special circumstances and is not overdue due to the cardholder’s personal will, there is still a chance to remedy the situation. After making timely repayment, the cardholder should proactively contact the bank, give the reason for the overdue payment, and wait for the bank's investigation results. Of course, the credit card cannot be used during the investigation, but it is better than a malicious overdue payment.

3. How to apply for an overdue credit card with interest suspended?

Cardholders directly call the service hotline of the card-issuing bank, explain the overdue credit card situation, and then submit an application to the bank staff.

Under normal circumstances, the bank will not directly agree to the cardholder's application. In this case, the cardholder needs to take the initiative to negotiate with the bank. There are some skills that cardholders need to master when negotiating: for example, during the negotiation process, they should pay attention to clearly explaining to the bank that they do not have the ability to repay the loan. The purpose of doing so is to tell the bank that they are not overdue on purpose, but on their own. Something unexpected happened in my life.

Of course, it is best for the cardholder to provide certain information for support.

After that, it depends on whether the bank will agree to the cardholder’s application for suspending the interest rate and hanging the account. If it succeeds, it will suspend the hanging account. If it fails, it will have to find another way.

How to write the reason for the overdue credit card better? Card friends who read this article should know it! The credit card can still be used after it is paid off after it is overdue. If the credit card is overdue and you want to apply for an interest suspension, you need the cardholder Take the initiative to negotiate with the bank. I hope this article can bring some help to card friends in need.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong.