Call 12378 after the credit card is overdue. When describing the event, keep the normal speech speed. The content of the complaint should be logical and orderly, and there needs to be evidence to prove that the relevant institutions and banks have violated the rules. Only when the complaint reaches 12378 can it be effectively handled.

After the credit card is overdue, if the cardholder is unable to pay off all the debts, he can call the issuing bank to negotiate repayment. If the overdue is really caused by special reasons and the bank does not agree to negotiate, it is still useful to call 12378.

Can I apply for a bank card if my credit card is overdue?

You can apply for a bank card if your credit card is overdue. Although personal credit will be damaged after the credit card expires, ordinary savings bank cards do not need to save personal credit, so it will not affect the handling of bank cards, but only the handling of credit business.

There is no need to check personal credit records when handling bank cards, so overdue credit cards have no effect on bank cards. As long as the user meets the conditions for applying for a bank card, he can apply. To apply for a bank card, you need to meet the following conditions: at least 16 years old; Have legal identification, such as ID card and household registration book; Under 16, the legal guardian must accompany them to apply for bank cards.