Pay off the debt in time, proactively explain the situation to the bank, keep the account status normal, and never cancel the card because it is overdue. If you cancel the card, you will lose the opportunity to repair your credit. You should continue to use it normally after it is overdue. With this credit card, spend more, repay on time, replace overdue records with new repayment records, and never lose contact after overdue, and don't let the bank think it's a malicious overdraft or arrears, otherwise you may be sued by the bank. Remedies for overdue credit cards include: Pay off the debt immediately: Once you find that you are overdue for repayment, you should first pay off the debt immediately; if the user is not overdue maliciously, you can appeal to the credit reference center; if the credit reference The fact is irreversible. As long as the user guarantees not to have any overdue repayment records in the future, his or her credit report will be covered after two years. After that year, the bad credit report will completely disappear from the credit report system.

If a credit card is overdue and no repayment measures are taken, it may be suspected of credit card fraud and needs to be held legally responsible. There are many types of overdue credit cards. Some are caused by cardholders forgetting to repay or being careless. Some cardholders have insufficient repayment ability and do not have enough funds to repay the loan. There are also very few cases where cardholders are unable to repay due to external reasons, such as natural disasters, etc. According to the editor's understanding, the three situations mentioned above will cause the cardholder's bad credit record and affect whether he or she can successfully apply for a loan in the future. : If your credit card has expired, you can apply to the card issuer for a new card. Generally, after a credit card expires, the cardholder must contact the card-issuing bank promptly and request a new card, because the card cannot be used after it expires. After the bank receives the application for a new card, it will produce and send a new card. After receiving the new card, the cardholder needs to bring the credit card to the business outlet of the card-issuing bank to go through the activation procedures, and at the same time destroy the old card.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196: Credit card fraud is committed under any of the following circumstances: If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; A fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.