Credit card settlement report is generally printed in the bank to which the credit card belongs. When issuing, the credit card is required to have no arrears and no overdue for many times. You can usually bring your credit card and personal ID card to the bank counter. The settlement certificate issued by the bank is basically the repayment situation in the last 24 months, which contains basic personal information.

Credit cards must be returned on time after daily use, and there can be no overdue return, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. In addition, overdue repayment will be uploaded to the credit information center, and the deterioration of credit information will affect the subsequent handling of various loans.

When the credit card cannot repay on time, the user can use installment or minimum repayment amount. When using installment payment, the cardholder needs to apply between the repayment date and the billing date. Usually, he chooses the number of stages according to his own income. Different installment fees are different, and subsequent installments can be repaid in advance.

If the credit card cannot be returned on time after use, you can borrow money from friends around you at this time to avoid overdue. In order to avoid overdue repayment after using credit cards, users must measure their repayment ability in advance when using credit cards. Usually, the credit card consumption limit does not exceed 50% of the monthly income.