What are the effects of credit card deferred repayment?
1, increasing repayment pressure
Most banks' credit cards are only delayed for one period, and they need to pay back in full and on time next month, and they also need to pay back their card debts for two months at the same time. As a result, everyone's repayment pressure has increased. In addition, the amount of credit card deferred repayment can no longer be divided into installments or the minimum repayment amount. If the cardholder does not have enough funds to repay on time, it will be overdue sooner or later.
2. Locked in a dark room
Although some banks agree that the cardholder will delay the repayment of the credit card, which is not overdue and does not charge interest, considering that the reason is insufficient repayment ability, they may choose to put the cardholder in a small black room.
3. Credit cards cannot be withdrawn.
Credit cards can be withdrawn if used properly, but if the cardholder delays repayment, it may lead to the failure of credit card withdrawal. After all, delayed repayment is always recognized by banks, but it may be regarded as a breach of contract because it is not repaid in full and on time. Considering that the cardholder's repayment ability is insufficient, the bank is naturally reluctant to give a high amount.
How to apply for deferred repayment by credit card?
1. Users can call the bank's customer service phone, transfer to manual customer service according to the prompt tone, and explain the reasons for the delay in repayment to the manual customer service;
2. Manual customer service will apply for deferred repayment for users. After the application is approved, a new repayment bill will be generated, and the cardholder only needs to repay according to the new repayment method.
It should be noted that when applying for credit card deferred repayment, the credit card deferred repayment is not 100% approved, and the bank usually checks the cardholder and evaluates the application reasons. Only when the deferred repayment is satisfied will the bank agree to postpone the repayment. .