1. How can I apply for a one-month extension of my credit card?

1. Credit card can postpone repayment. As long as the credit card calls the bank customer service office in advance to apply for an extension.

2. If the cardholder cannot repay the loan before the final repayment date due to special reasons, he can apply to the bank for deferred repayment. Usually, the credit card deferred repayment can only be postponed for 2 to 3 days at most.

3. However, not all applications for deferred repayment will be approved, and the bank will decide the application result according to the reasons provided by the cardholder and the daily use of the card.

second, does one-day overdue credit card repayment affect credit reporting?

1. Whether the overdue repayment of a credit card by one day will affect the cardholder's credit information mainly depends on whether the issuing bank provides a grace period for repayment and how many days the grace period is.

2. For example, if the card-issuing bank does not provide a grace period for repayment, it will be overdue if the repayment is overdue by one day, and if it is overdue, it will be reported to the bank for credit investigation, leaving a bad credit record in the credit investigation report, which will also lead to personal credit damage.

3. If the card-issuing bank provides a grace period for repayment, and the grace period for repayment is more than one day, then the customer is overdue for repayment by one day, but actually it is still within the grace period for repayment, which is not overdue, and naturally it will not have any adverse impact on credit investigation.

3. Precautions for applying for deferred repayment by credit cards

1. Some credit cards have a grace period for repayment, with a general period of 1 to 3 days. Some credit cards don't have a grace period, so I need to apply for them myself. The cardholder should take the initiative to contact the issuing bank within the repayment period, inform the bank of the reasons for delaying repayment, and provide relevant certificates if necessary.

2. It should be noted that although it is the cardholder's right to apply to the bank for deferred repayment, it is not their obligation for the bank to agree to postpone repayment. Therefore, this is just that the cardholder is negotiating with the bank. After the negotiation, a repayment time will be agreed, and the repayment amount will be agreed, and even a penalty will be paid.

Therefore, when using a credit card, there must be no overdue behavior. Otherwise, the bank will bear the corresponding consequences. If it is overdue for a long time, the bank will also take various measures to collect the money. If the collection fails to recover the arrears, the bank may even go to court to sue. In this case, it will not only bear the consequences of overdue, but also cause a lawsuit.