Solutions to overdue credit cards:

1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, during the final repayment period, Before arriving, cardholders are advised to proactively call the bank's credit card center to state their financial situation, affirm that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and will work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc.

If you take the initiative to contact the bank and get the bank's consent to postpone the repayment, you will not be recorded as a bad record. However, it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay the loan as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and declare that the debt is not malicious, if the record has been good before.

Extended information:

1. Basic content

Temporary credit limit, as the name suggests, refers to the credit limit that the bank temporarily adjusts to credit card holders. Generally speaking, it is temporary. The credit limit is increased. ?

If the fixed credit limit of your credit card is not enough (for example: decoration, travel, etc.), you can call the credit card center of the card-issuing bank and ask customer service to temporarily increase it within a certain period of time. As for the credit limit, customer service will determine whether it can temporarily increase your credit limit based on your card usage records. After the specified time, the credit limit will be adjusted back to the original fixed limit.

2. Credit information

Generally speaking, if your credit card usage record is good and there are no overdue or other illegal card uses, you can temporarily increase your credit limit. The range of credit limit is generally controlled at X times of the fixed limit.

In addition, during fixed long holidays such as Christmas, New Year's Day, Spring Festival, and National Day, the bank's credit card center will actively adjust the temporary limit of the credit card. Generally, the temporary limit will be increased to X times of the fixed limit to provide cardholders with holiday benefits. consumption use. It will take approximately one month after the holiday to return your limit to the original fixed limit.

Baidu Encyclopedia-Temporary Quota