1. Contact the customer service of the credit card issuing bank: users can call the customer service number behind the credit card to communicate with the staff of the credit card issuing bank and ask for repayment in installments.
2. Online channels: Many credit card issuers provide online channels such as online banking and mobile banking, through which users can submit installment repayment applications and communicate accordingly.
3. Go to the bank counter: Users can also go to the bank counter where the credit card issuing bank is located in person, consult the counter staff and submit the installment repayment application.
Generally speaking, users should take the initiative to contact the credit card issuer as soon as possible after the credit card expires, put forward the requirement of installment repayment, and provide detailed personal financial situation and repayment plan. Card issuers may require the submission of relevant supporting documents, and decide whether to agree to repayment by installments according to the actual situation of users.
Supplementary information:
If the user fails to negotiate with the card issuer or the installment repayment is invalid after the credit card is overdue, he may face some adverse consequences such as credit record damage, overdue penalty interest and overdue handling fee. Therefore, we should try to prevent it in advance before it is overdue to avoid the adverse consequences caused by overdue credit cards.
Users are advised to plan their consumption reasonably when using credit cards to ensure timely repayment. In addition, users can also use credit big data query services, such as Netdome data, to know their credit status and master their credit rating and credit records. Doing so will help users to better manage their credit card use and improve the punctuality and integrity of repayment.
Summary:
After the credit card is overdue, the user can solve the problem by negotiating with the credit card issuer for installment repayment. Users can contact card issuers through customer service telephone, online channels or bank counters, and provide personal financial status and repayment plan. If negotiation fails, users may have to bear certain consequences. Therefore, users are advised to plan their consumption reasonably, pay back in time, and use the credit big data query service to understand their credit status.