If the user has overdue behavior in the process of using the credit card, it will first generate high interest charges. Moreover, after the deadline, users can't enjoy the interest-free treatment of the bank until they pay off their debts, and they have to charge corresponding liquidated damages, which increases the repayment pressure of users. Secondly, overdue behavior will also have a negative impact on users' credit, which will have a corresponding negative impact on users' future credit card processing and use. If the overdue time is more than 3 months, the bank may also file a lawsuit, and the litigation costs will also be borne by the user. Therefore, in the process of using credit cards, users had better keep good card-using behavior so as not to bring unnecessary trouble to themselves.
When the user's credit card is overdue, the user can communicate directly with the customer service of the bank, but it should be known that not all overdue applications will pass the examination smoothly. Therefore, users must maintain a peaceful attitude and apply to the issuing bank for suspension of payment. At the same time of application, users should provide sufficient evidence to the issuing bank, that is, the third-party certificate, so that the bank can handle it as appropriate, otherwise it will be difficult to succeed. Therefore, users should submit relevant information to the bank to express their willingness to repay, make a future repayment plan with the bank, and repay as planned.
Moreover, everyone should pay attention to the fact that when credit card arrears are due to poor operation of personal funds, rather than malicious arrears or other improper reasons, it is necessary to bear certain civil liabilities. If the user's credit card debt reaches more than 50,000 yuan, and the issuing bank has effectively collected it for more than 3 months and still fails to repay it, it constitutes the crime of credit card fraud. At this time, users need to bear criminal responsibility and corresponding civil liability.
Therefore, when users use credit card products, they must maintain good card use behavior and repay in full and on time to avoid overdue and other undesirable situations. At the same time, when you apply for a card, you should consider your own needs and repayment ability, and make a reasonable loan to avoid being unable to repay at maturity.