It is normal for a Pudong Development Bank credit card to be overdue for more than two years and that there are still people demanding payment. Banks are not charitable institutions. They exist for profit and impose strict repayment requirements on cardholders. Cardholders with overdue credit cards must pay great attention to pay off their debts as soon as possible and get on board as soon as possible.

Overdue for 1-3 days:

Cardholders who frequently use credit cards for consumption generally hold a large number of credit cards and are prone to repayments in the process of constant card withdrawals. In case of late payment or omission of a certain credit card, banks generally have an understanding attitude towards this situation and provide 1-3 days of delay service.

If the cardholder pays off his or her debt during the long-term service period, the bank will generally not report it to the central bank's credit reporting system, which will not have much impact on the individual's credit reporting.

Overdue for 3-30 days:

When a credit card is overdue to this stage, the card-issuing bank will start to remind the cardholder to repay the debt through text messages and phone calls, and start Charge penalties and liquidated damages due to overdue credit cards.

Dunning reminders during this period are generally bank staff, who have a good attitude and are easy to communicate with, and will not affect their own lives. It is worth noting that overdue credit cards during this period have been included in the personal credit report. However, if all outstanding debts can be repaid in time, it is still possible to eliminate the personal credit report through negotiation with the bank. Influenced.

30-60 days overdue:

Credit card overdue has entered this stage and has become more serious. Bank staff have begun to increase the frequency of collections from cardholders and have begun to contact cardholders. One's relatives and friends. The normal life of the cardholder will also be affected at this stage, because the impact of overdue credit cards on personal credit cannot be eliminated, causing inconvenience to future house purchases and other loan businesses.

Credit card holders during this period should seek help from family and friends and try to repay the bank or express their willingness to repay to avoid being considered a malicious overdraft by the bank.

Overdue for 60-90 days:

If the cardholder during this period has not negotiated with the bank or made repayment, the bank will determine that the cardholder has a malicious overdraft. behavior, and began to entrust a third-party collection agency to carry out compulsory collection on cardholders.

Card holders will be frequently harassed by collection agencies, and even verbally intimidated and threatened. After the bank has made three effective collections, if the cardholder has not repaid or is not willing to repay, a lawyer will issue a lawyer's letter to the cardholder.

90-120 days overdue:

Under normal circumstances, within 25-30 days after the card-issuing bank issues a lawyer's letter to the cardholder, if the cardholder has not filed a lawsuit with the bank, For repayment or negotiation, the cardholder will receive a summons from the bank. If the amount owed is more than 50,000 yuan, corresponding criminal liability will be paid.

Therefore, in order to avoid such a situation from happening, cardholders should actively communicate with the bank at this stage, express their willingness to repay, and negotiate for a suspension of interest rates. After the negotiation is successful, the penalty interest will be stopped and the suspension will be suspended. Drop collections, avoid bank lawsuits, and extend the repayment cycle. Some banks will also reduce or reduce part of the liquidated damages that have been incurred.