If you need to apply for a meeting after the deadline, you must negotiate first. After the negotiation, the bank will issue the information fee waiver on the same day or the next day, so there is no need for a six-month waiver period.

If the credit card is overdue due to negligence or objective reasons, the cardholder should contact the issuing bank as soon as possible after the credit card is overdue, explain the facts and reasons of the overdue, and discuss the solution with the bank. Under normal circumstances, as long as the cardholder repays in full and on time, the bank will not make any bad comments on the cardholder's usage record, and can also apply for interest reduction, but will truthfully feedback the card usage and repayment record.