After using a credit card, it is best to repay it on time and try to avoid overdue payments, because high interest fees will be incurred and personal credit will be affected. There is really no way to deal with overdue credit cards as soon as possible. So how to deal with overdue credit cards? In fact, as long as you follow the instructions in this article, you won’t have much to worry about. Let’s take a look.

How to deal with overdue credit cards? 1. Don’t lose contact to avoid collection. When a credit card is overdue, the bank will send text messages and phone calls to collect collection. It is best for cardholders not to resist. When the bank calls, it will be answered as soon as possible. Don’t think that you can not answer the call because you have no money after the due date. If you change the phone number or change the number so that the bank cannot be contacted, the bank will only think that the cardholder is maliciously avoiding debts and will call the cardholder's contact person. 2. Clarify the amount of overdue arrears. Overdue credit cards will incur penalty interest and liquidated damages. The cardholder must add the principal owed and the interest incurred to calculate the actual amount of arrears, and then calculate the actual amount of arrears based on his/her income and debt situation. How to repay. If the cardholder is overdue for no more than 3 months, the cardholder should repay the money as soon as possible if he can easily pay it back by himself, instead of borrowing money from family members, relatives and friends to repay the card. The interest accrued for being overdue for more than 3 months is very high, and there is really no way to pay it off at once. Take the initiative to contact the bank to see if you can negotiate repayment, and reduce the interest or repay it in installments to prevent the interest from rising. 3. Don’t cancel the card after paying off the debt. No matter whether you can still use the card after paying off the overdue credit card, don’t cancel the card easily. Once you do this, the overdue record will be frozen, and there will be no new records in the future to cover the bad records. No more credit records can be processed until the overdue records are eliminated. If your credit card can still be used after it is overdue, you should spend more money with the card, repay on time, and develop a good credit record. If you can't use the card, you should always pay attention to the credit card charges. If the annual fee is deducted, you should repay it promptly and don't overdue it again. The above is the relevant introduction of "How to deal with overdue credit cards". I hope it will be helpful to everyone.