If the credit card is overdue and becomes invalid, the cardholder needs to bring cash to the bank counter to settle the outstanding balance. Overdue credit card behaviors will be uploaded to the personal credit reporting system and will need to wait 5 years before being eliminated. If the cardholder still wants to save his credit card and personal credit score, he can settle the debt, then proactively contact the bank to explain that the personal overdue payment was not malicious and try to restore the credit card. However, whether the credit card can be restored successfully in the end depends on the bank's approval. However, even if it cannot be restored, users need to repay as soon as possible for the sake of personal credit and do not avoid it. The above is the relevant information on how to deal with an overdue credit card. How to repay a credit card that becomes invalid

1. The magnetic strip is damaged and the card is invalid: In this case, the credit card just cannot be swiped, but it does not affect the repayment. After paying off the balance of the current period, the cardholder needs to contact the bank as soon as possible to change to a new credit card;

2. Card expiration and invalidation: Under normal circumstances, the cardholder can also invalidate the card due to expiration. Normal repayment. If the cardholder does not want to continue using the card, he can repay according to the normal repayment date. If the cardholder wants to continue using the card, he can contact the bank to change it.

This article mainly writes about knowledge points about how to deal with overdue credit cards and become invalid. The content is for reference only.