1. If the cardholder fails to receive the notice to pay the annual fee, the cardholder should explain the reasons to the bank and ask the bank to reduce the annual fee and remove the bad records. The bank's verification is true, and the annual fee is usually reduced.

2. If the cardholder forgets to pay the annual fee, he should pay it immediately after discovering it, and take the initiative to explain to the bank that it is not maliciously overdue. Generally, the bank will issue an annual fee overdue certificate, which will not have a great impact on the future credit business.

Extended information:

New regulations on credit card overdue:

With regard to the new regulations on credit card overdue, customers need to pay attention to the following points:

1.

2. The sentencing standard has changed:

Before, if the overdue credit card was suspected of malicious overdraft, the amount was more than 1, yuan (less than 1, yuan), it would be considered as a "large amount" as stipulated in the criminal law; The amount is more than 1, yuan (less than 1 million yuan), which is considered as "huge amount" as stipulated in the Criminal Law; The amount is more than one million yuan, which is considered as "extremely huge amount" as stipulated in the criminal law.

the Supreme People's Procuratorate and the Supreme People's Court changed it into: the amount of malicious overdraft of credit cards is more than 5, yuan (less than 5, yuan), which will be considered as "a large amount" as stipulated in the criminal law; The amount is more than 5, yuan (less than 5 million yuan), which is considered as "huge amount" as stipulated in the criminal law; The amount is more than 5 million yuan, which is considered as "extremely huge amount" as stipulated in the criminal law.

How to talk about credit card cancellation:

If you want to cancel the interest after the credit card is overdue, you can apply to the issuing bank to stop paying interest. If the application is successful, the arrears will no longer generate interest, so it will naturally be reduced. However, we need to note that the interest generated by the previous arrears will not be exempted, and it is still good to record it on the bill together with the principal, and the customer needs to pay it off on time.

even if the customer directly applies for interest exemption, the bank will probably not agree. If the customer fails to pay for a while, he can try to extend the repayment period and repay the arrears in installments while applying for suspension of interest payments. In this regard, the bank will consider it as appropriate.

as long as the customer fails to repay the loan on time, but is really unable to repay the loan, the bank may agree, and then the customer can repay the debt on time and in installments according to the repayment plan newly negotiated with the bank.

of course, it is best for customers to avoid overdue situations at ordinary times, and they should form a good habit of paying back on time. If you find that you can't pay off the bill in full, you can actually apply for bill installment before the repayment date comes, or pay the minimum repayment amount of the bill first.

what should I do if my credit card is overdue?

if the negotiation on interest reduction and exemption after the overdue credit card is unsuccessful, there is actually nothing the customer can do. After all, the bank charges the penalty interest at the daily interest rate of five ten thousandths, which is within the normal interest rate range and there is no violation, so it is very difficult to directly exempt the interest.

however, the customer can try to apply for suspension of interest. If the application is successful, although the interest generated before cannot be exempted, at least the interest will not be accrued after the debt, which can also reduce the repayment burden of the customer.

of course, customers had better pay off their debts as soon as possible, and the earlier they have to pay, the less overdue penalty interest will naturally be generated. Even if it can't be paid off for a while, try to pay it back as much as possible. If the total overdue amount drops, the interest will be less.

of course, customers who can't pay off in a short time should take the initiative to contact the bank customer service to negotiate and try to apply for an extension of the repayment period and repay the arrears in installments. The bank understands that customers have the willingness to repay actively and will not sue customers easily. Generally, if it is overdue for more than three months, the bank will have the right to sue. Therefore, customers should never directly evade payment after it is overdue.