Before the temporary limit expires, you can apply for a credit loan from a bank credit card (there is usually a temporary limit, and everyone will have the opportunity to apply for a credit loan in the next 2-5 times).
2. Pay the temporary limit first, and the rest can be paid in installments or the minimum repayment amount.
This is an emergency measure, because the temporary quota must be repaid, and other arrangements can be made as long as the temporary quota is repaid.
3. Credit card repayment
In the process of finding an intermediary to handle the repayment, the repayment date can be postponed. When the last repayment date of the cardholder's credit card expires, but I can't repay it in full at the moment, and the minimum repayment has to pay high interest, in order to maintain a good credit record, I can entrust someone else to repay it, and then I will brush out the repayment amount in the form of credit card consumption and return the funds to the helper.
Extended data:
Consequences of overdue repayment of credit cards
1, bear a high penalty interest. After a credit card defaults, the penalty fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.
Except for ICBC, the other 12 banks still carry out full penalty interest. The customer repays a part, but the repayment part is not deducted when calculating the penalty interest. Usually, the interest expense is calculated at the daily interest rate of five ten thousandths. The daily interest rate shall be calculated at five ten thousandths within 15 days from the bookkeeping date, at ten thousandths after 15 days, and at fifteen thousandths after 30 days or when the overdraft amount exceeds the specified limit.
2, causing legal disputes, violent collection of credit cards has become a hot topic. Many bank credit card centers outsource credit card repayment collection to some so-called "debt collection companies". These companies are mixed, and their debt collection methods are crude, which brings great trouble to their customers. Not only that, the defaulting customer may also face legal disputes.
According to the provisions of the Criminal Law, a credit card with a malicious overdraft of more than 5,000 yuan will not be repaid after three months of collection by the bank. If the circumstances are serious, criminal responsibility may also be investigated for fraud. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.
3. Leave a "credit stain" in the national credit information system. In 2006, the central bank established a national unified enterprise and individual credit information basic database. As long as you have applied for a card or borrowed money from a bank, a "credit report" will be automatically generated in this system, which will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years.
20 12, 1 1, the new personal credit report of the central bank was launched, and the credit card and loans overdue situation before 2009 1 were no longer displayed, and the overdue records were retained for 5 years thereafter. This move means that the public's overdue negative record is no longer accompanied by a lifetime. If you can repay in full and on time within five years, your credit can be cleared.
Baidu encyclopedia-credit card repayment
Baidu encyclopedia-credit card repayment