If the interest rate is refunded normally, it will not affect the credit card. For example, banks offer preferential activities to reduce the interest on cash withdrawal of credit cards and refund the interest. If there is a problem with the cardholder's repayment ability, negotiate with the bank to refund the interest. Due to the decline in repayment ability, the overdue risk may increase, and the bank may reduce the cardholder's credit card limit or cancel the cardholder's card use authority.

1. Credit card interest refund mainly refers to the penalty interest of bank credit cards, penalty interest, overdue interest, late payment fee, minimum repayment fee and other expenses collectively referred to as interest. At present, unreasonable fees can be refunded to banks, such as charging compound interest and related service management fees for unpaid overdrafts. ?

First of all, when you want to refund the interest on your credit card, you need to know whether your situation meets the requirements. For example, due to a breach of contract due to force majeure, the unpaid overdraft amount is charged with compound interest and related service management fees, and the interest can be demanded to be returned. Call the credit card center first and apply for a refund of the credit card penalty. If the bank doesn't agree, you can call the bank or complain at the CBRC, and the overcharged interest can definitely be refunded. Because of excess interest, liquidated damages, penalty interest, etc. If they exceed the red line, they can't get legal support and can complain back. To sum up, the liquidated damages caused by the bank's inaction or bank's fault, including those caused by special circumstances, can also be appealed. For example: accidents, stolen brushes, etc. Unreasonable expenses can be refunded.

3. According to the feedback from many netizens who have successfully refunded interest, usually only the default caused by force majeure, the compound interest charged on the unpaid overdraft amount, and the unreasonable service management fee will be refunded by the bank, and relevant certificates need to be provided, such as unemployment certificate, salary running proof, etc. , so it is still more difficult. Credit card refund has an impact. Applying for interest refund may leave a permanent record in the bank, which is equivalent to entering the grey list of the bank and becoming the key monitoring object of the bank. It will be difficult to withdraw the credit card in the future, and even if you apply for a credit card at this bank, the success rate will not be very high. Friends who want to find a refund of bank interest should still think carefully.