Credit cards are expected to have different handling methods for different overdue situations, as follows:

1. First of all, if overdue is not an intentional act by the cardholder, then there is no need to panic. Generally speaking, most banks have a certain repayment period. As long as you can pay off all overdue debts within this period, the bank will not hold you accountable. Friends who have exceeded the repayment time can contact the customer service of the credit card application platform for explanation. As long as the reason can be recognized by the bank and the debt is paid off in time, there will be no excessive negative impact.

2. If the cardholder has exceeded the grace period and has also communicated with the bank by phone, but the bank does not buy it, the cardholder can find some special reasons to shift the responsibility to the bank. This makes the bank think that it was caused by their own negligence and thus relax the repayment time. In addition, I would like to remind everyone that even if there is a conflict during the negotiation with the bank and there is an overdue record on the personal credit report, you should still repay the loan normally. In this way, after two years, the bad record on the credit report will be gone. will be overwritten by time.

3. If there is any debt, pay off the debt in full. It is a matter of course that debts must be paid off. Therefore, in order to reduce the negative impact of overdue payments, everyone should take the initiative to repay. If you have to wait for bank reminders, the consequences will become more serious. Moreover, the longer the overdue period, the more penalty interest will be incurred. If the overdue period exceeds three months, you may also be legally responsible.

4. You cannot refuse to answer bank calls. When a credit card becomes overdue, do not refuse the bank's collection call, because once you refuse, the bank will have reasonable grounds to suspect that the cardholder has deliberately overdue, and will regard it as a malicious overdraft, with very serious consequences. Therefore, in order to avoid this situation, everyone should pay attention to answering bank calls!

5. Continue to use the card and repay in full and on time. Even if an overdue credit card is canceled, there will still be an overdue record on the user's credit report. If no measures are taken to eliminate the bad records, the overdue record will remain. Therefore, if you want to wash away the stain, you must continue to use the card, maintain good card usage behavior, and repay the loan in full and on time so that your bad records can be covered over time.

6. Summary In summary, when using a credit card, never maliciously overdraft, and actively deal with overdrafts.