What to do if your credit card is overdue for more than ten days without repayment

1. Contact the bank customer service as soon as possible and proactively inform the bank that you are not maliciously overdue. Explain the reasons and make up the outstanding balance.

2. If you still have not reached the entire limit, you can pay the minimum repayment amount first, which will not affect your credit limit. At the same time, there will also be a buffer period to facilitate the bank to understand the capital flow of your account in a timely manner. Freeze the account.

3. After all credit card debts are paid off, ask the bank to issue a non-malicious overdue certificate. For short-term overdue loans, as long as the debt is paid off in time, the credit report can still be restored.

2. Will being overdue on a credit card for more than ten days affect your credit report?

1. If it is overdue within a month, it is considered overdue. As long as it is overdue, even once, it will be more difficult to increase the credit limit. . 2. If you are overdue three times in a row or six times in total, you will have a bad credit record and it will be difficult to get a loan or apply for a credit card in the future. 3. If the credit card is overdue for a certain amount and time, the bank will freeze the credit card.

4. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.