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1, resulting in overdue interest and late fees;
2
3. Banks will collect money and may face criminal problems.
Credit card overdue solution:
1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;
2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;
3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. Be sure to repay the loan on time after applying for extension;
The central bank's credit information system has been rolling for 24 months, and the record of overdue payment of credit cards will be kept in the credit information system, so the information will not be rolled, but kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then keep it well.
Second, my friend owes 9500 yuan on Ping An Credit Card. Will it be repaid?
Didn't the bank call for it?
3. What does the number of overdue accounts mean?
The number of overdue accounts is called overdue accounts, such as multiple credit cards overdue or multiple financial institutions loans overdue. For example, your CCB credit card is overdue, Ping An Bank credit card is overdue, and the number of overdue accounts is two. So the number of accounts does not need to be added to the total account.
4. Ping An Credit Card (Debit Card) is overdue for half a year.
Ping An Credit Card (Debit Card) is overdue for half a year, and users can choose to negotiate with Ping An Bank. If the negotiation is successful, they can agree on the repayment time and amount. As long as the user expresses willingness to repay, Ping An Bank will cancel it. And forget it, let the two sides negotiate first, and then intervene after the negotiations fail.
Therefore, the user's Ping An credit card (debit card) is overdue and must be repaid as soon as possible. If you can't repay as soon as possible, you should also take the initiative to contact Ping An Bank, explain the reasons for the overdue and make an appointment for repayment.