Negotiate repayment matters with the bank immediately and repay on time. If left unchecked, the consequences will be serious.

1. You can use the installment function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure and won't affect your credit.

2. You can change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

3. You can take the initiative to explain the situation to the bank for negotiation. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again.

The consequences of overdue credit card repayments are serious, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.