1. The overdue balance of the credit card is zero and the recovery limit is zero: the overdue amount should be paid off as soon as possible. After paying off the credit card balance, call the bank's credit card customer service center to remove the restriction.

(1) The overdue credit card has been frozen and the limit is zero. Bank credit card restrictions can be lifted under certain conditions. Call the credit card customer service center to handle it.

(2) If the credit card is restricted due to overdue credit card, the overdue amount should be repaid as soon as possible. After paying off the credit card balance, the cardholder can call the bank's credit card customer service center to explain the situation. The bank will lift the restriction. After that, the cardholder must repay every installment on time and avoid overdue payments, because overdue credit cards will be included in the personal credit system. Too many overdue times will affect future loan applications.

(3) Credit card restrictions caused by credit card TX will depend on the circumstances. If it is not a subjective TX, but a TX that the bank mistakenly believes, the cardholder can call the bank's credit card customer service center to explain the situation and Apply for a credit card to remove restrictions.

(4) If a credit card is restricted due to credit card fraud, the bank will generally lift the restrictions after the fraud is resolved.

2. Consequences of an overdue credit card:

(1) Liquidated damages are incurred, which are generally the minimum repayment amount and 5% of the unpaid portion.

(2) The interest rate is high and the interest rate is compounded. The interest rate is very scary when the debt is large.

(3) Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

(4) If the repayment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

Extended information

Credit card repayment methods:

(1) Within the issuing bank: counter, ATM, online banking, automatic transfer, telephone banking repayment etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

(2) Weiyintong POS mobile phone: Weiyintong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. Instant payment.

(3) Transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

(4) Online repayment: The more common online platforms in China include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

(5) Convenience store repayment: This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. Generally, it takes 2 to 3 working days for the payment to arrive. At the same time, there is no handling fee for repayment in this way.

(6) Over-the-counter repayment: Over-the-counter payment refers to the bank cards issued by various networked financial institutions. RMB current deposits and withdrawals can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. payment transaction.

(7) Xinpaytong repayment: "Xinpaytong" smart card swiping phone is independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network Innovative electronic products.

(8) Repayment Tong: Use "Repayment Tong" to make repayments. The fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

(9) Other methods: In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods to facilitate cardholders' repayment.

Reference: Baidu Encyclopedia - Credit Card

Reference: Guangfa Bank - Guangfa Bank Credit Card Customer Agreement (Personal Card)

Reference: People's Daily Online - Credit Card Late repayments will affect your credit, making it difficult to apply for a provident fund loan