If a credit card is overdue for 6 days, even if there is a 3-day grace period for repayment, it is equivalent to the user being overdue for 3 days. As long as the credit card is overdue, the overdue record will be uploaded to the credit report, and there will be negative records in the credit report. However, if users pay off their debts in a timely manner and occasionally have an overdue record, it will not have a great negative impact on their personal credit report. Of course, banks have very strict credit reporting requirements for users. As long as there is one overdue record, regardless of the length of the overdue period, it is basically difficult for the user to apply for another loan.

How to deal with overdue credit cards

1. If you find that you are overdue, it is very normal to receive a collection call from the bank. Generally, the collection work of banks is entrusted to Third-party organizations are rarely involved. After all, the bank is a very formal institution and now has strict supervision, so the collection will not be excessive.

2. If you receive a collection call from the bank, you can leave yourself some leeway at this time and learn to negotiate with the bank. As long as you actively cooperate with the bank's investigation, the bank will definitely not sue you. In addition, you also need to promise the bank that you will do your best to pay off the debt every month. If your overdue amount is too large, you can borrow some money from relatives and friends and pay back the first part to avoid increasing interest and default amounts. If no one is willing to lend you money, then you can try to negotiate with the bank to find a repayment plan that is beneficial to both parties. If the bank is willing to suspend interest payments, then interest charges will not continue to be incurred.

3. However, banks are generally not willing to suspend interest rates and hang accounts, because this will reduce their own interests. In addition, even if you can apply for a suspension of interest rates, you must pay off all the money after 5 years. Of course, if the bank is unwilling to negotiate with you, then you have only one option, which is to wait to be sued by the bank. Generally, the final result in court is mediation and suspension of accounts. Anyway, in one sentence, you must pay back the money you owe in time, otherwise it is likely to affect your personal credit score.