1. Ask the bank to help delete overdue records: If the overdue time is short, you can contact the bank’s customer service to help delete the overdue repayment records;

2. Issue a non-malicious overdue certificate: If If you are not overdue intentionally, you can contact the bank's customer service and provide corresponding certification materials, and ask the bank to help issue a non-malicious overdue certificate;

3. Wait for the overdue period to be eliminated: repay the loan on time after the overdue period and maintain a good personal credit record , overdue records will automatically disappear after five years.

Consequences of an overdue credit card

1. When the actual repayment amount on the credit card due date is lower than the minimum repayment amount, the unpaid portion of the minimum repayment amount must be paid Regarding late payment fees, the ratio of each bank is different, so you can only calculate it based on the ratio you owe the bank. The longer the time, the higher the penalty.

2. Overdue interest. The interest after the credit card is overdue is calculated on a daily basis.

3. After a certain period of time, the credit card will be subject to a credit report after it is overdue, which will have an impact on the cardholder’s future loans. Although there are more than one factors that affect the credit report, if it is overdue, it will be Affecting credit reporting.

After your credit card is overdue, in order to avoid your debts from increasing and your credit report being affected, you must apply for a suspension of interest as soon as possible, which is what we often call personalized installments. This is very important for those who have overdue credit cards. It is a good choice for friends, because after the application is successful, you can avoid the interruption of collections and the interest penalty will not increase. It is a very good choice for everyone. In addition, it can reduce everyone's repayment pressure. The bank can also waive part of the interest after the application is successful, which is also very good.

What should I do if my credit card is overdue?

After the credit card is overdue, you need to repay it as soon as possible. If you don’t have enough money on hand to repay it, you can choose to repay it in installments. If you can’t get the installment funds, You can ask friends or family for help. At the same time, I need to reduce my living expenses, increase my income sources, and repay my debts as soon as possible.

Banks will usually outsource the debt collection business to a third-party collection platform when the cardholder's overdue amount is relatively large or for a long time. At this time, you can negotiate with the collection staff to reduce or extend the repayment. the term.