It can be solved through the following methods:

1. Choose installment repayment and extend the repayment date to relieve the repayment pressure.

2. Choose the minimum repayment and pay off the minimum repayment amount of the current period within the financial affordability to avoid overdue records.

3. Seek help from relatives and friends, borrow money to pay off your credit card debt first, and then save money to pay them back.

If the credit card debt is overdue, the user can apply to the bank for negotiated repayment. Negotiated repayment means suspending interest and hanging accounts. After the bank receives the application, it will review the user. After passing the review, it will agree with the user on the repayment time and amount. The user can subsequently repay according to the negotiated agreement. If the negotiation for repayment fails, you must repay according to the collection requirements.

In short, if the credit card debt is overdue, the overdue record will have more negative impacts on the credit report. Users are requested to pay off the overdue balance as soon as possible and restore the credit report as soon as possible.

Overdue Harbin Bank credit cards will have the following consequences:

1. Credit card penalty interest and late payment fees

After a credit card defaults, the penalty interest fees usually involved are: Revolving interest charges and late fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and the interest will be charged from the date the consumption is recorded. Calculate interest.

2. The cardholder may be held legally responsible

If the bank takes legal proceedings and sues the cardholder, the court will make a ruling in accordance with the law. If the cardholder is determined to have a malicious overdraft and reaches a certain amount, he will be imprisoned.

3. Forming a bad credit record

As long as you apply for a card or get a loan at a bank, your own "credit report" will be automatically generated in the system. This The "stains" in the report cannot be ignored, as they will affect applications for various loans, insurance, job hunting, studying abroad, etc.

Unless the erroneous overdue record is caused by the bank's fault, it cannot be eliminated. Cardholders who want to apply for new credit business can only wait for the bad records to be eliminated naturally.

If the credit card can be used normally, the cardholder should continue to use the credit card to ensure that no overdue payment will occur within two years. Since banks can only find repayment records for the past two years when checking credit records, using this method will make your credit record look good. If a credit card is frozen or canceled, the overdue record cannot be eliminated until five years have passed.