1. The credit card has been downgraded. What should I do if there is no money in it?

If the credit card is downgraded, there is no money in it to repay it as soon as possible.

1. Use the minimum repayment function.

Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function.

If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the total energy of phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit.

3. Change the bill date to extend the repayment period.

The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation.

If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

Second, what will happen if the credit card is not used?

1, and high interest will be charged if it is overdue.

Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

2. There will be a credit card late fee.

Credit card late fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount. At present, most banks, such as China Merchants Bank, China Construction Bank, ICBC, Shenzhen Development Bank, etc., have a standard for late payment fees, which is 5% of the unpaid part of the minimum repayment amount. The minimum late payment fee for the dragon card of China Construction Bank is 5 yuan RMB, and the minimum late payment fee for the dual-currency credit card of China Merchants Bank is 10 yuan RMB or 1 USD.

3. Bad credit records will be generated.

Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Time and duration may lead to litigation costs.

If the cardholder fails to repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the user overdraws 180 days and still refuses to repay, the bank will bring a lawsuit to the court, and the losing party will bear the litigation costs of the case. Generally, the bank wins the case and requires the user to repay, so this part of the cost will be borne by the user.

In real life, if you need to open a credit card at present, you must go to the bank for it. If there is overdraft after opening, it needs to be repaid in time. Otherwise, according to the credit card issuing bank and other relevant regulations, it may be reduced, so this situation should be repaid in time, or the installment repayment function should be used to deal with it.