1. What are the measures to collect overdue credit cards?

If you do not repay your credit card in time, it will affect your personal credit record. This is first of all. If you are overdue, you are not complying. Credit. Once you have a bad record on your personal credit report, it will affect your future affairs, including various loan applications, credit card applications, and even going abroad. This is not an issue that affects your continued use of credit cards.

So, the suggestion is that if you are able, you should pay off the debt in time.

If you do not repay the debt for a long time, not only will there be high late payment fees and interest, the bank may also classify this part of the debt as a malicious overdraft, that is, a malicious overdraft. The bank will target the debt for a long time. The cardholder who repays the loan has the right to judicial prosecution.

In practice, after applying for a credit card, if the payment is overdue for more than three months or the bank has not paid more than two reminders, the bank will freeze the card and classify it as a prohibited customer. Then the bank They will go to court to sue.

Second, what should I do if my credit card is overdue?

1. First call the bank customer service in time to negotiate for a deferment of repayment

Generally, most banks will allow cardholders to call to apply for a deferment of repayment, and the deferment period is usually one week. Therefore, you can avoid paying late fees as long as you pay the money back within the deferment period.

2. You can pay the minimum repayment amount first

Each bank will set a minimum repayment amount for credit card holders, as long as the cardholder can repay this minimum amount. , then the bank will not charge late fees and it will not affect the cardholder's personal credit.

In practice, this minimum repayment amount is 10% of the bill amount.

3. Request to change the final repayment date

If the last repayment date happens to be when money is tight, you may wish to negotiate with the card issuer to change your repayment deadline.

According to the actual situation, you can choose the final repayment date two or three days after the salary is paid. This will not only have enough money to repay, but also avoid being uncontrolled in the next month. Consumption.