The credit card is overdue, so you should repay it in time. Credit card overdue for one week should not be a big problem, but it may also have an impact on credit business. Generally speaking, only three consecutive overdue, or a total of six overdue, is a serious overdue. Serious overdue not only affects personal credit reporting, but also may be prosecuted by credit reporting agencies. Therefore, it is best to settle the arrears in one lump sum after discovering the overdue payment. If it is because of personal lack of funds, you can take the initiative to explain to the bank that it is not malicious arrears and resolve it through consultation.

Credit card overdue processing method

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2. Make clear the amount of overdue debts. There will be penalty interest and liquidated damages after the credit card is overdue. The cardholder should add up the interest generated by the principal owed to calculate the actual amount owed, and then see how to repay it according to his income and liabilities. If the overdue period is less than 3 months, the cardholder can repay as soon as possible if he can easily repay, instead of borrowing money from family, friends and relatives. There are too many interests overdue for more than 3 months, and it is really impossible to pay them off at one time. Take the initiative to contact the bank to see if we can negotiate repayment, and let the interest not rise again by reducing interest rates or repaying in installments.

3. Don't cancel the card after paying off the debt. No matter whether the card can be used after it expires, don't cancel it easily. Once you do this, the overdue records will be frozen, and there will be no new records to cover the bad records. You can't process any credit records until the overdue records are eliminated. If the credit card can be used best after it is overdue, it is necessary to spend more on it and repay it on time to form a good credit record. If you can't use a credit card, always pay attention to the debit of the credit card. The annual fee is deducted, so you should repay it in time, not overdue.