1. Minimum repayment amount

(1) Every bank can set a minimum repayment amount for credit card holders, as long as the cardholders can repay the minimum amount, so that the bank will not deduct the tax late fee and will not affect personal credit information.

(2) Generally speaking, this minimum repayment amount is 1% of the detailed amount of income and expenditure. In other words, if you spent more than 1, yuan last month, and you don't have enough money in your hand this month because of being laid off or other reasons, you just need to pay it back below 1 yuan.

(3) However, it should be noted that if you repay the loan with the minimum repayment amount, although you can't deduct the tax late fee, you will also be charged interest of .5 ‰ per day, and this loan interest is also a lot, so it is best for the lender to repay all the minimum repayment amount of his income and expenditure details as soon as possible.

2. Actively negotiate with the bank

(1) If the cardholder can't even pay the minimum repayment amount of 1%, then don't choose to escape, that is, change the address and mobile phone so that the bank can't contact. This method is the worst emotional adjustment.

(2) remember that personal information and credit status will be displayed in the personal credit information system of the central bank from the day you apply for a credit card.

3. credit card installment

if the cardholder is temporarily unable to repay the arrears at one time, the cardholder can carry out installment payment on the bank statement and pay the arrears in installments. What is the bad effect of credit card payment?

1. High interest and tax late payment fee

(1) If the credit card is not repaid, the cardholder will not enjoy the interest-free period of credit card repayment, and can gradually charge five ten thousandths of daily interest from the transaction day, and calculate compound interest on a monthly basis. If tens of thousands of dollars are owed for less than a few days, it will cause thousands of yuan in loan interest, and the longer the time, the greater the loan interest.

(2) If the credit card is not repaid in place beyond the interest-free repayment period, the bank will deduct the tax late fee for the credit card holder, accounting for 5% of the unpaid part of the minimum repayment amount, and the bank will allow the cardholder to deduct higher overdue interest beyond a certain period of time.

2. My bad credit record

How important the personal credit record is, you only need to apply for a credit card or a loan to understand it. Once the personal credit record is stained, it will basically be difficult to apply for a credit card. This is not the most troublesome thing. The worst thing is that if you want to buy a house with a bad credit record, the amount of mortgage loans will be higher than others for many years. If loans overdue is more strict and even wants to spend less annual interest, banks will all.

3. The credit card is stopped

If the credit card doesn't pay back the money, the bank will get back the personal credit of the circulating system to the cardholder, and the credit card will be stopped. The bank will think that the cardholder has a high risk of repaying the loan, and then it will terminate the application of the credit card. At the same time, it will ask the cardholder for arrears, and if the bank still fails to pay back the money after asking for the credit card arrears, the bank may apply for bidding for other fixed assets of the cardholder.

if the credit card overdraws in advance and fails to repay within the time limit, it must be overcome in a reasonable and legal way. For example, if the long-term credit card is not repaid in loans overdue, it should be discussed with the bank immediately, and then repaid by installment or according to the minimum credit limit for repayment. Naturally, no matter which method is used, we must pay attention to prevent our personal credit information from being affected to some extent. What if online lending is sued?

1. High interest and tax late payment fee

(1) If the credit card is not repaid, the cardholder will not enjoy the interest-free period of credit card repayment, and can gradually charge five ten thousandths of daily interest from the transaction day, and compound interest will be calculated monthly. If tens of thousands of dollars are owed for less than a few days, it will cause thousands of yuan in loan interest, and the longer the time, the greater the loan interest.

(2) If the credit card is not repaid in place beyond the interest-free repayment period, the bank will deduct the tax late fee for the credit card holder, accounting for 5% of the unpaid part of the minimum repayment amount, and the bank will allow the cardholder to deduct higher overdue interest beyond a certain period of time.

2. My bad credit record

How important the personal credit record is, you only need to apply for a credit card or a loan to understand it. Once the personal credit record is stained, it will basically be difficult to apply for a credit card. This is not the most troublesome thing. The worst thing is that if you want to buy a house with a bad credit record, the amount of mortgage loans will be higher than others for many years. If loans overdue is more strict and even wants to spend less annual interest, banks will all.

3. The credit card is stopped

If the credit card doesn't pay back the money, the bank will get back the personal credit of the circulating system to the cardholder, and the credit card will be stopped. The bank will think that the cardholder has a high risk of repaying the loan, and then it will terminate the application of the credit card. At the same time, it will ask the cardholder for arrears, and if the bank still fails to pay back the money after asking for the credit card arrears, the bank may apply for bidding for other fixed assets of the cardholder.

if the credit card overdraws in advance and fails to repay within the time limit, it must be overcome in a reasonable and legal way. For example, if the long-term credit card is not repaid in loans overdue, it should be discussed with the bank immediately, and then repaid by installment or according to the minimum credit limit for repayment. Naturally, no matter which method is used, we must pay attention to prevent our personal credit information from being affected to some extent.