If the credit card is overdue, the first thing to do is to pay off the arrears in time and maintain a good credit. Don't rush to close your account if you still owe money after the deadline. You can use this card more and repair credit cards with good credit records, and overdue records will be topped by good records. According to the law, if the credit card holder fails to repay the minimum repayment amount for more than three months in a row, the bank has the right to bring a lawsuit to the court. However, under normal circumstances, the cardholder is only overdue and the bank will not bring a lawsuit to the court. The bank will contact the cardholder first to urge him to repay. If the cardholder fails to repay the loan within the time limit or cannot contact the cardholder after collection, the bank will bring a lawsuit to the court. Full repayment. If conditions permit, the overdue payment of the credit card and the corresponding interest should be paid back; Negotiate with the bank. If you have no repayment ability, you can explain your actual situation to the bank official.
After the credit card is overdue, it cannot be repaid. If you apply for installment repayment, the credit cards of major banks have the ability to repay by installment. Apply for delayed repayment, take the initiative to contact the bank to show that repayment is difficult, and apply for delayed repayment; Apply for the minimum repayment amount. Applying for the minimum repayment amount can maintain the reputation and reduce the repayment pressure in the current period; Borrow money to repay, borrow money from family, friends or online lending platforms to avoid continuous dunning by banks.
A general description of the purpose of the loan so that the bank can know the general purpose of the money. No matter what kind of proof is expressed, the central idea of being unable to repay (unemployment card, illness card, difficulty card, bankruptcy card) is really unable to repay, so as to really promote the negotiations. Banks should also ensure the safety of their own funds when submitting applications for installment repayment. Income certificate, according to the income certificate, how to divide it into stages with the bank, and how much to pay back every month.