Do not stop the card. Some people are particularly scared when they know that their credit cards are overdue. They think that they can just stop the card as long as they pay back the arrears, but this is not the case, because as long as there is a record, they will always accompany them until the 24-month period has passed. In the meantime, they will continue to use this credit card and constantly refresh their negative records with new consumption records, so that their personal credit information will not be affected. Don't run away Many people think that they may not be able to repay the overdue debts and various overdue liquidated damages in full for the time being, so they think of various ways, such as changing all their contact addresses, thinking that they will not be caught through this form. However, the bank is in a networked state, and it will directly track your location in the first time, whether by means of transportation or tourism. It is an inescapable state, so the bank will also leave a very bad impression on the debtor's behavior and play a very unfavorable role in the subsequent negotiations. Don't shy away from the fact that many people think that owing credit cards is not shameful. They think that when they have enough money, they will pay off their debts directly. However, this is absolutely wrong, because the more this happens, the more you should take the initiative to contact the bank and explain the reasons for the overdue credit card. It's best to make a plan, negotiate with the bank in detail, and basically agree to postpone your repayment. Don't be careless It is often seen that someone forgets the repayment time, resulting in overdue credit cards. So don't be careless. If there are such problems, you can set up bank card automatic repayment, which can greatly avoid these problems.

1. Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

Secondly, from the cardholder's point of view, online payment is considered as one of the most risky payment methods of credit cards, because malicious people may steal user information by means of phishing, eavesdropping on network information, forging payment gateways and so on. When you pay online, you need to enter the card number, the validity period of the credit card, the Visa CVV2/MasterCard CVC2/ UnionPay CVN2 numbers next to the signature column on the back of the card, and the online transaction password. Sometimes you need to enter a name, a randomly generated verification code on the webpage, etc. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also blown up the trend of online consumption.

3. Credit card installment payment refers to the business that when the cardholder uses the credit card to make a large amount of consumption, the issuing bank will pay the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and the consumer funds will be deducted from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount. Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.