Credit card transportation owes more than 60,000, Ping An more than 20,000 and Pufa 40,000. Now Shanghai Pudong Development Bank has gone home and said that it will sue. I really can't pay it back now. Q: I owe more than 60,000 yuan for credit card transportation, more than 20,000 yuan for Ping An and 40,000 yuan for Pufa. Now Shanghai Pudong Development Bank has gone home and said that it will sue. I really can't pay it back now. What should I do?

A: The Scout Law Online Consultation will answer your question.

1. If there is no repayment within the final repayment date: overdue, a late fee of 5% of the bill amount will be charged, and the minimum 20 yuan+five ten thousandths of daily interest+overdue days;

2. If the minimum repayment amount is paid, but it is less than 65,438+00% of the arrears: if it is overdue, it will be fined according to 5% of the unpaid amount, and the minimum 20 yuan+five ten thousandths of daily interest+overdue days;

3. The repayment amount exceeds 65,438+00%, but it has not been fully paid off: it is not overdue, but the interest is increasing every day, and the unpaid amount is increasing at the interest rate of five ten thousandths every day until the arrears are fully paid off.

In addition to late fees and interest, overdue records will seriously affect the future credit life. For example, if you apply for another bank's credit card, the bank will investigate the applicant's credit history. If it is overdue, it will be difficult to apply for a credit card. Not only is it difficult to apply for a credit card, but even the loan will be affected.

How to eliminate overdue credit card records of Ping An Bank?

Once it is overdue, it is necessary to repay the arrears in time and continue to use the credit card to repay on time every month. After two years, overdue records will no longer affect your card application, because the bank will only review the applicant's repayment records in the last 24 months.

How to avoid overdue credit card of Ping An Bank?

1, the credit card is bound to the debit card, and it will be repaid automatically when it expires. It should be noted that it is best to use a debit card from the same bank to avoid cross-bank repayment fees.

2. Repay a few days before the final repayment date, because it takes time for inter-bank transfer, and some banks receive the account within 24 hours. If it is not received before the final repayment date, it is also overdue.

3. If you have more than one credit card, you can call the customer service to modify the bill, so that the repayment date of the credit card will be concentrated within one week and the repayment will be made at the same time.