When we have insufficient funds, we will use credit cards to make daily purchases. However, when our credit card debt is overdue, do you think that it is overdue and that it is no big deal? In fact, we must not treat overdue credit card cash with a negative attitude, but use a positive and optimistic attitude to solve the problem of overdue credit card debt.

However, for overdue credit card debts, the best way is to continue to use this credit card, maintain a good repayment record, and use new repayment records to cover the old debt records. , so that it will not have a big impact on personal credit. But if your credit card is overdue, don’t worry, the following tips will teach you how to say goodbye to the blacklist.

First, immediately provide the bank with proof of personal inability to repay. If your credit card accidentally expires, then we can immediately submit to the bank proof of inability to repay due to unemployment, illness, or accident, so as to explain to the bank that you do not owe money maliciously, and use this to apply Delay credit card payments and reduce overdue interest.

Secondly, if your credit card debt is overdue, what we can do is to repay it in full immediately, or repay it as soon as possible. After repaying the loan, you have to call the bank to state that you did not owe the debt maliciously, but because of your own carelessness.

Finally, after the credit card debt is overdue, please do not cancel the credit card, but keep it for a long time. This is because our credit card repayment records will be kept for 24 months, that is, for two years, and 24 After a few months, the credit card's overdue debt records will be deleted, and our previous overdue debt records will be removed from the credit reporting system.

If we want to avoid overdue credit card debts and say goodbye to the blacklist, our best way is to maintain a good repayment record, or even not to rely too much on credit cards, and learn how to use our own funds so that we can effectively Keep your credit score in good shape by avoiding overdue credit card balances.