First, if the repayment time has passed, make repayment as soon as possible to ensure that the arrears are made up;

contact the bank account manager to see if there is any overdue record, and whether it can be remedied in time.

because the general bank will have a gap of one or two days for customers whose repayment date exceeds one or two days, and no overdue records will be generated;

in case of overdue records, the card cannot be cancelled, otherwise the overdue records will not be eliminated.

Therefore, we should pay back the arrears, continue to use credit cards, and remember to pay back in time, spend more and repair the line;

Make sure the mobile phone and telephone are in smooth contact, because before the credit card becomes overdue, it is possible that the bank account manager will remind you to pay back the money in time, so as to avoid overdue;

inquire about the credit card consumption records of Bank of Communications through customer service telephone.

register the Bank of Communications credit card online banking, and query the credit card consumption records of Bank of Communications in the online banking.

log on to the website of Bank of Communications, and you can query the credit card consumption records of Bank of Communications.

query the credit card consumption records of Bank of Communications through the ATM of Bank of Communications.

it is no longer difficult to inquire about the credit card consumption records after learning about the inquiry about the credit card bills of Bank of Communications. If the credit card is overdue or unpaid, the borrower will not only face the situation of overdue interest and collection by the bank, but also affect the personal credit information. In serious cases, it may be sued by the bank.

overdue repayment means that there is a payable amount on your current bill, and you still haven't repaid it after repayment. There are two kinds of repayments, full repayment and minimum repayment. The full repayment has no interest, and the credit history is fine. Pay the minimum amount, the credit history is fine, but you need to pay interest. The calculation method of interest is related to your consumption date and repayment date.

first of all, if you forget the repayment time and the overdue time is relatively short, you should call the bank quickly to explain the situation and let the bank give you the opportunity to postpone the repayment! Secondly, if it is because there is no money to pay back, which leads to a long overdue period, or even repeated debt collection, you must tell the bank about your special situation and try to pay the minimum repayment first. As long as the overdue period is not more than 9 days, you will have a chance to wash it!

Third, pay back the arrears after the deadline. Don't cancel the credit card immediately. You must continue to use it and slowly rebuild your credit. To put it bluntly, it means building the trust of the bank, and then cancel it if you don't want to use it, otherwise it will be very difficult to get a loan from the bank in the future! I gave such a standard answer. If the overdue period is not long, and the card has not been stopped and the amount has been reduced, I will find a replacement. If you have income at this time, you will do it by stages after one more time. The average bank can do up to 36 issues. This is the most ideal solution.