1. What should I do if the credit card is overdue?

Credit card overdue can be solved in the following ways:

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. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.

2. Use the staging function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the ability of installment 3, 6, 9, 12, 18 and 24, and you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit.

3. Change the billing 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, and some banks can only change it once.

4. Take the initiative to negotiate with the bank. If you really can't pay it back for a while 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, discuss whether you can delay the repayment, and never ignore the bank by changing the phone, so that your personal credit will be lost unless you don't deal with the bank in the future.

2. Consequences of overdue repayment of credit card overdraft

1. Late payment fee for credit card.

the so-called credit card late payment fee refers to the fee that the cardholder should pay to the card-issuing bank according to the regulations when the repayment date is not due or the repayment amount is less than the minimum repayment amount.

2. overdue interest.

3, litigation costs.

if the user doesn't repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will ask the lawyer to send a lawyer's letter to the user.

4. Bad credit record.

Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled lending business in banks, applied for credit cards, or provided guarantees for others, they can find credit reports in any domestic commercial bank. For customers with bad records, BOC will treat them with caution when handling loans in the future, and may require customers to provide mortgage and guarantee, which may reduce the loan amount, raise the loan interest rate or even refuse the loan. On the contrary, if there is a good record in the credit report, it will be possible to enjoy preferential treatment in the amount and interest rate in the future credit business.

5. Criminal responsibility for malicious overdraft.

if the credit card is overdue, the cardholder can take the initiative to contact the bank, truthfully inform the bank of his personal situation, explain the reasons why he can't repay the loan, and negotiate with the bank to formulate personalized installment. Cardholders can also apply for the minimum repayment function of credit cards, and pay part of it first, so there will be no overdue. Cardholders can also repay by installment.