1. How long will credit card overdraft be blacklisted?

1, as long as it is overdue for more than 90 days, it is generally a black account, which is the standard of most banks.

2. Under normal circumstances, the personal credit card bill is overdue, and the bank will collect the debtor in accordance with relevant regulations in the first three months.

3. If the collection is successful within these three months. Then the bank will not carry out the next collection. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for three months, the bank can go through legal procedures.

2. What about credit card overdraft?

If the credit card is overdrawn, the customer only needs to make sure to repay on time before the repayment date (inclusive) after the sunrise bill is repaid. In this way, there won't be much problem. In fact, many banks provide credit card customers with a certain limit. If the credit limit of the credit card is used up, they can also use part of it (the excess amount is generally between 0.5 and 10).

3. What should I do if my credit card is out of money? What should I do?

Cardholders can choose the minimum repayment amount or installment payment. You should take the initiative to negotiate with the bank when choosing installment repayment.

If credit card users can pay off all credit card debts in a short time, then choosing the repayment method with the smallest repayment amount can help cardholders to spend short-term capital turnover. However, if the cardholder can't pay off all the credit card debts in a short time, it will be more appropriate to choose the installment repayment method, because the minimum repayment amount is calculated according to compound interest, that is, "rolling interest". The longer the time, the more interest will be generated, which will not only reduce the repayment pressure of the cardholder, but also increase the repayment burden.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.