Hello, I would like to ask, I paid off the Ping An Bank credit card after it was overdue, and it was paid off! If you want to continue using the credit card

1. Call Ping An Bank Credit Card Service China and apply to resume the use of the credit card. 2. If you are suspected of cashing out due to cash-out behavior and the bank suspends the card, it is recommended to stop cashing out and proactively contact the bank to resume use of the card or cancel the card. 3. Accumulate good credit records for credit cards and repayments, and use good records to cover up the original bad records. This is the correct approach. Or you can cancel the card after repayment. The credit card is only for China. If it is not used properly, it will only lead to excessive consumption desire. As a result, the more the card is swiped, the more the debt will be. The Ping An Bank credit card is overdue for three years. Can I still use it after paying it off?

Unable to use.

The credit card is overdue for three years and is actually overdue for 36 months. No bank will trust such a customer even after paying off all the debt.

But you can avoid prosecution.

Ping An Bank is the most naughty and unprofessional bank. It started out as an insurance business, and later studied banking. It is considered the least sensible in the banking industry. It calls you every day to ask you to give your money to it. You save! Why does such a 2B bank need a credit card?

Consequences of overdue card repayment What to do if Ping An Bank’s credit card is overdue

Repay as soon as possible.

Serious consequences of overdue credit cards:

1. Overdue interest and late payment fees;

2. Bad credit record;

3. The bank will demand collection and may face criminal issues.

Solutions to overdue credit cards:

1. If the cardholder forgets to repay the card and discovers that it is overdue, he must repay it as soon as possible, preferably in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;

2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;

3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;

4. Credit card repayment information is rolled over by the central bank's credit reporting system for 24 months, and records of overdue credit card repayments will be included in the credit reporting system. It is stored in the system for two years. If you find that you have paid off the card overdue and then cancel the card directly, the information will not be rolled over, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter. If a payment on a Ping An Bank credit card is overdue for one day, is it considered overdue? Credit cards have a grace period of about 3 days after the repayment date. Repayment within the grace period is deemed to be repayment on time. If it is overdue for one day after the repayment date specified by Ping An Bank, That has no impact;

If it is overdue for 1 day after the grace period, it is considered overdue and will have a bad credit record. How to repay Ping An Bank's credit card when it is overdue and suspended?

Generally speaking, from the time when Ping An Bank's credit card is overdue for repayment to the bank suspending the card for you, you usually go through a reminder call and a reminder letter from Ping An Bank. If you still fail to repay, it is very likely that the credit card account will be frozen by the card-issuing bank, and the debt record may be fed back to the People's Bank of China's personal credit system, affecting the cardholder's personal credit record.

If this has already happened, there is no point in worrying. All you need to do is to repay the credit card as soon as possible to protect your personal credit record. If the overdue payment is not malicious, you can make a statement to the bank and repay as soon as possible. In short, your repayment as soon as possible is the best way to solve the problem of card suspension.

When you have an overdue record, you must not cancel the card directly. Doing so will only harm yourself more. What you need to do is to continue to use Ping An Bank credit cards well within two years. Because usually when applying for a credit card or loan, the credit record inquiry basically only shows the credit situation in the past 24 months. Therefore, your good records in the past two years will cover your bad records, thus forming a good credit record. Ping An Bank Credit Card Overdue

Hello.

First choice, you should go to Ping An Bank to coordinate. It’s not that we don’t want to repay, there is a reason. So whether it is adding interest or something else, you need to go through a communication process and accept the bank’s proper handling. We can Apply for installment repayment, or something like that.

If you do not go to the bank to coordinate, otherwise, if you have not repaid the loan for several years, your credit may be blacklisted and you may be forced to deduct money.

Hope this helps. Can I still use my Ping An Bank credit card after repayment is 2 months overdue?

If my credit card is 2 months overdue, I can still use it as long as I repay the credit card.

Failure to repay your credit card overdraft will create a bad record on your personal credit. Please be careful and cherish your credit record. Ping An Bank

Overdue credit cards have the following consequences:

Failure to repay overdue payments will leave a bad credit record for the cardholder and will affect the smooth progress of the cardholder's future loans and other activities. cause impact.

Failure to repay a credit card overdue after the overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank sues in court and wins, the bank can require the cardholder to repay the principal, overdue interest, late payment fees, over-limit fees, etc. The cardholder will also have to bear the litigation costs;

If the cardholder maliciously overdrafts to a certain amount for the purpose of illegal possession and fails to repay the amount after the due date, which constitutes the crime of credit card fraud, he will also bear criminal liability.

Failure to repay overdue payments will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities.

Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 208 If the borrower repays the loan in advance, interest shall be calculated based on the actual loan period, unless otherwise agreed by the parties.

Article 206 of the Contract Law of the People's Republic of China and the People's Republic of China The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined in accordance with the provisions of Article 61 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances If the circumstances are particularly serious, the person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated:

(1) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The so-called malicious overdraft referred to in the preceding paragraph refers to the cardholder’s behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Repaying your credit card will not have any impact on your work, but it will have a great impact on your credit score. It is recommended to repay it in time.

How long does it take for a CITIC Bank credit card to be repaid after it is overdue?

As long as the credit card is not overdue and the bank takes the initiative to freeze your card, you can always use it. Normally, there is no big problem if it is overdue for one month and more than three months. If it is still overdue in 3 months, your credit card will be frozen. Can you repay the Ping An Bank credit card every month if it is overdue for 3 years?

How to apply for installment repayment

Telephone application: Cardholders can Call the bank's credit card center and be transferred to customer service staff, and apply for cash installments from the customer service staff.

The cardholder selects the number of installments, installment amount, debit card account number and reason for borrowing. The person selects the number of installments, installment amount, debit card account number and reason for borrowing.

Online banking application: Cardholders log in to the bank’s official website and choose to apply for cash installment.

The cardholder selects the number of installments, installment amount, debit card account number and reason for borrowing.

The cardholder can complete the application by entering the dynamic password and cash withdrawal password.