If the credit card is cancelled within the time limit, you can find a bank to repay it. Because for those who don't pay back their credit cards within the time limit, if they don't pay back for a long time, then in this case, their credit cards will be cancelled, and then there is no way to repay them through bank card transfer.

What should I do if my credit card is cancelled?

You need to go to the issuing bank to repay the loan. Even if the credit card account is forcibly cancelled, if the credit card debt is not repaid for a long time, the following legal consequences will occur:

1. Late payment for credit cards is required. When the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is lower than the minimum repayment amount, the cardholder shall pay the fees to the issuing bank according to the regulations.

2. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.

4. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Malicious overdraft requires criminal responsibility.

What are the circumstances in which a bank can cancel a credit card account?

(a) 45 days after the expiration of the credit card, the cardholder has not replaced the new card;

(two) 45 days after the loss of the credit card, there is no supplementary card and no new card has been replaced;

(3) The credit card was withdrawn by the issuing bank for 45 days due to its bad reputation and was included in the stop payment list;

(four) the cardholder died for some reason, and the issuing bank has recovered his credit card for 45 days;

(five) the cardholder requests the cancellation of the account or the guarantor to cancel the guarantee, and has returned all the credit cards for 45 days;

(6) The credit card account has not been traded for more than two years (inclusive);

(seven) the cardholder violates other regulations, and the issuing bank thinks that his qualification should be cancelled.

Can credit card overdraft be eliminated quickly?

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension.

How to judge whether the credit card is overdue?

As long as it is not malicious arrears and malicious overdraft consumption does not repay, it will not be blacklisted by banks. As a bank, if users do not repay for a long time, they also have their own set of treatment methods.

1. Unconsciously forgetting to repay is mainly aimed at the overdue repayment behavior of early cardholders, which is usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

2. More than one month is mainly for overdue behaviors that are more than 30 days and more than one account period, and telephone reminders are made for repayment.

3. Forget that this matter is mainly aimed at overdue for more than 90 days, and the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

4. Lao Lai still refuses to pay back, mainly because it is overdue for more than half a year, and the bank will apply to the court to sue the cardholder for repayment.

5. It belongs to the category of packing up and leaving. If the repayment is overdue for more than 1 year, the bank will package and discount the overdue funds to the outsourcing collection company for overdue debt collection.