1. What is the correct solution to the inability of credit card to repay?

1. Use the minimum repayment function.

Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function.

If there is pressure on repayment, you can directly apply for bill installment. General banks provide the total energy of three, six, nine, 12, 18 and 24 periods. You can choose the number of periods according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period.

The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation.

If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

2. What are the consequences of overdue credit cards?

The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

1. Consequences of overdue repayment of credit card 1: bear high penalty interest.

After the credit card defaults, the liquidated damages usually involved are the revolving interest fee and the late payment fee. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

2. Consequence 2 of overdue repayment of credit card: causing legal disputes.

Credit card violent collection has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some so-called "debt collection companies". The quality of these companies is mixed, and the methods of debt collection are rough, which brings great trouble to customers.

3. Consequences of overdue repayment of credit cards: leaving a "credit stain" in the national credit information system.

As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in the system. The "stain" in this report can't be ignored, and it will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years. Citizens' overdue negative records are no longer accompanied by life. If they can repay in full and on time within five years, they will be able to repay their credit.

No matter what causes the credit card debtor to repay the credit card debt overdue, it is necessary to deal with the credit card overdue dispute in time, because if it is not handled in time, the credit card debtor will bear many adverse consequences, such as bad overdue records on personal credit records. If handled in time, it may not be on the credit record.