After the credit card is overdue, the cardholder has to face a problem, that is, being intensively collected by the bank. In fact, most cardholders are unwilling to overdue. However, under the pressure of making ends meet and high repayment, many people have to overdue. At this time, many cardholders hope to negotiate with the bank, strive for a buffer time, and pay off their debts through flexible repayment.

But in general, banks will not agree to rely solely on the inexperienced negotiation of cardholders. After the credit card expires, the bank will not easily agree with the cardholder to negotiate repayment unless you are turned upside down.

Precautions for overdue credit cards

At present, most urban white-collar workers have 1 or more credit cards, because different credit card centers apply for installment repayment at different times. Some of them must be applied before the bill date, and the other part can be applied before the final repayment date. Therefore, the cardholder must know the repayment time. After swiping the card, he can immediately call the credit card center to inquire clearly, so as to avoid the repayment pressure caused by missing the time.

Because the deposit in the credit card is not interest, the cardholder should not put a lot of cash in the credit card in advance, because this will not only increase your overdraft limit, but also make you lose the interest you should have earned from this money. In addition, cash overdraft cannot be interest-free, and credit cards can only enjoy interest-free period if they are overdrawn.