1. Choose the minimum repayment: Credit cards usually have a stipulated minimum repayment amount, which is usually one-tenth of the principal, but the remaining balance will be charged at a rate of 50,000 per day. Interest charges;

2. Choose installment repayment: Banks usually prepare different installment repayment plans for users to choose from, but they will also charge certain fees;

3. Negotiate repayment: Contact the bank where the card was issued, explain the true situation to the bank, and negotiate a repayment plan;

4. Borrow money from relatives and friends to repay the money, and then work hard to make money to repay the money.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Of course, the attribute of a credit card is overdraft consumption. The amount consumed by the cardholder does not belong to the cardholder, but is the amount borrowed from the bank. Therefore, after the bill is due, the cardholder You need to return the amount of your current card consumption to the bank. If you do not return it in time, it will bring you a lot of trouble.

Overdue credit card payments may have the following three consequences:

First, overdue interest will be incurred;

Second, individuals will have bad records, which will affect their mortgage loans. , car loans and other financial services;

Third, they are subject to bank text message collection, outsourced collection, court prosecution, etc.

Overdue credit card is a breach of contract, it does not constitute a crime, and you will not go to jail. However, if the cardholder’s overdue behavior includes the following aspects, it may turn into a criminal act suspected of credit card fraud: