You can go to the bank to repay the debt to avoid exceeding the time limit, causing overdue payment and closing the channel. You should try other channels to avoid being overdue and affecting your reputation.

You can request an extension. Failure to repay the credit card overdue after the overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank files a lawsuit in court And if the lawsuit is won, the cardholder will still have to bear the litigation costs. If you continue to fail to repay, there will be an overdue repayment every month, which means a bad credit record will be recorded once a month. If you do not repay for many months in a row, you will be sued by the bank and found guilty of malicious arrears. Your credit record will become worse, and the amount of arrears will become larger and larger. In serious cases, you will be sentenced and fined.

If you are careless and forget to repay the loan, you must repay it as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

: If one of the following circumstances exists, it will be recorded as a bad credit record:

First: The customer’s credit information in the People’s Bank of China’s personal credit reporting system or in our bank and interbank accounts (including housing loans) , automobile consumption loans, personal consumption loans, credit cards, etc.) are currently overdue, or there has been a bad record of overdue for more than 90 days in the last 12 months (that is, the overdue status flag is "4").

Second: Learn through other credit reporting channels that the customer has one of the following situations:

(1) The customer has been listed in our bank, peers, the People's Bank of China or the People's Bank of China due to illegal card use and other activities. Bad customer information database of credit reporting agencies;

(2) There are major lawsuits or arbitrations and other legal disputes as defendants;

(3) Malicious defrauding of bank funds;

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(4) While serving a sentence or having a criminal record within the last 7 years.