1. What can I do if I owe my credit card 7, yuan overdue?

(1) I can choose to negotiate repayment with the bank of this credit card. If you are unable to repay the loan due to special reasons, such as disability, unemployment, serious illness, etc., you can submit information for the bank to review. After the review is passed, you can generally negotiate repayment.

(2) Take the initiative to contact the issuing bank for negotiation, and apply for suspension of payment to see if the repayment period can be extended and repaid in installments. The bank will consider it as appropriate.

(3) Borrow money from relatives and friends for repayment, write an iou, and promise to pay back the money within a certain period of time, then pay back the borrowed money to the loan first, and then pay back the money to relatives and friends after the funds are sufficient to avoid the influence of credit investigation.

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

1. Continue to use

After the overdue period, the best way is to continue to use this card and overwrite the original negative record with a new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit and so on will not be affected after the record is refreshed.

if the credit card is overdue for a long time, it will bear interest and there will be a high late payment fee. If you run away, the bank will think that you have overdrawn maliciously and will call the police.

2. Apply for deferred repayment

If you are unable to repay on time due to unemployment or illness, you can state your financial situation and declare that you are not in bad faith before the deadline for repayment, and you can apply for deferred repayment and interest concessions.

3. Repay in full and on time

If you forget to repay the loan due to your usual carelessness, you must repay the loan in full as soon as possible, preferably in full, because you have the best chance of calling the bank to explain that it is not malicious arrears to request the cancellation of overdue records.

if the actor fails to pay back the credit card within the time limit, it will not necessarily lead to imprisonment. It also depends on what the actual situation is. Only when the overdue amount is large, and it is more than three months overdue, and the repayment is still not made after being urged twice by the bank, will it constitute a crime, that is, the crime of credit card fraud

The cardholder can take the initiative to contact the card-issuing bank, truthfully inform the bank of his personal situation, show that he did not intentionally fail to repay, explain the reasons why he still failed to repay, and apply to the bank for extension or postponement of repayment. If the bank agrees, the cardholder must repay the loan on time within the agreed time.