1. What should I do if I call my family when my credit card is overdue?

You should repay the loan as soon as possible. If you cannot pay off your credit card temporarily, you can handle it in the following ways:

1. Borrow money from relatives and friends to temporarily fill the gap.

If you only encounter a temporary situation, you will soon have enough funds to seek help from relatives and friends.

2. Apply for deferment of repayment.

When unexpected situations occur, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Just tell customer service your true situation and then apply for a deferral of repayment.

3. Apply for suspension of interest payments and installment repayment.

When the situation is serious and repayment is relatively more difficult, you can contact the bank customer service. Provide relevant materials to apply for suspension of interest payments and repayment in installments.

4. Apply to the bank for credit card debt relief.

Negotiate with the bank to reduce credit card debt. If negotiation fails, you can use judicial authorities to reduce credit card debt.

2. If the credit card is overdue due to fraudulent use, can I apply to delete the overdue record?

Yes, the overdue credit card record can be deleted under the following circumstances:

1. Non-malicious arrears lead to overdue payments.

2. The bank’s active negligence resulted in overdue payment.

3. Overdue due to force majeure factors.

4. Small amount overdue within the bank’s tolerance range.

5. False information leads to overdue payment.

6. Have paid off credit card debt for more than 5 years.

3. What are the criteria for fraudulent use of credit cards?

(1) Finding someone else’s credit card and using it;

(2) Fraudulently obtaining someone else’s credit card and using it Used;

(3) Stealing, bribing, defrauding or obtaining other people’s credit card information through other illegal means and using it through the Internet, communication terminals, etc.;

(4) Others Fraudulent use of someone else’s credit card.

4. What is the standard for determining the amount of fraudulently used credit cards?

1. If the amount is more than 5,000 yuan but less than 50,000 yuan, it should be considered as a "large amount";

2. If the amount is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as a "huge amount";

3. If the amount is more than 500,000 yuan, it shall be deemed as "huge amount" For "a particularly huge amount".

As long as the credit card is processed at a regular financial institution, the financial institution will not harass the cardholder's family at will for overdue credit cards, unless the cardholder cannot be contacted. If the cardholder applies for a credit card, Only by leaving your family’s phone number as an emergency contact can the financial institution call them. If the card issuer continues to harass family members, the cardholder can complain to the relevant regulatory authorities.