The consumption concept of "consume first and repay later" is gradually gaining popularity. However, various problems may occur when we repay the loan, which may lead to overdue payment. So, what should I do if my CCB credit card decoration loan is overdue? Don't panic yet, here is some advice for you.

Countermeasure 1: Repay immediately when you find it is overdue. Regardless of the reason for the overdue payment, the first thing to do is to repay immediately. This shows your attitude. It does not mean that you will not repay, but there may be other reasons. If there is a reason, then look for the reason for the overdue date.

Countermeasure 2: Talk to CCB customer service about the reason for the overdue payment. After repaying the debt, call CCB customer service to find out the reason for the overdue amount, or explain the reason for the overdue amount, and guarantee that you will repay on time next time. Credit reference. If you have always repaid your debt on time before, and you have not been overdue for a long time, and you have a good attitude, the bank will not easily report your overdue payment to the People's Bank of China.

Countermeasure 3: Continue to use the card to cover overdue records. If your overdue records have been listed in the credit report, do not cancel immediately after repayment. In this case, your overdue records will remain with you forever. On the credit report. Not only don't cancel it, but you also need to actively use this card. Generally speaking, after 24 months, the new credit report will overwrite the previous record. If you find that your CCB credit card renovation loan is overdue, don’t panic. Finding reasons for repaying the money and actively using the card is the key. , you can apply for various credit cards quickly and safely.