1. Under what circumstances does the credit card need not be returned

1. After the credit card is paid off, the credit card is not used again, and the credit card limit has not been used, so it is definitely unnecessary to repay. Or a useful credit card, you can use the overpayment in the credit card. This money is our own, and the transaction amount is less than the overpayment, so there is no need to repay it.

2. If you have used a credit card to spend or withdraw cash, you have paid off the debt before the credit card bill comes out. As long as the repayment amount is less than the debt amount, you don't need to repay it after the bill comes out. In some cases, the credit card bill is not zero but negative, indicating that there may be overpayment.

3. Many cardholders used their credit cards to make purchases, but they applied for a refund, and the money was returned to the credit card account before the bill came out, so that the bill debt was displayed as , because the refund amount offset the debt amount, and there was no need to repay.

second, can I check the personal running account when the credit card is overdue?

The bank can't check it, but it will ask the user to provide the running account, because in the process of application negotiation, the bank will find out whether the user is maliciously in arrears or unable to pay it back, and the bank running account is an effective proof.

Credit card is also a kind of credit. If the cardholder owes the credit card bill, he will also have to bear the penalty interest. After the cardholder's credit card bill is overdue, he needs to bear a late payment fee of about 5%.

if the user's credit card has been sued by the bank and the application is enforced, then the court has the right to check the property under the user's name, including the bank's running water. During the negotiation, if the bank requires the user to actively cooperate, otherwise the application is likely to be rejected, or it will be settled in one lump sum.

It should be noted that the longer the credit card is overdue, the more serious the negative impact will be. If you feel that you have difficulties before the deadline, then you can try installment repayment or the minimum repayment method, which can be effectively solved. If it is overdue, it needs to be dealt with quickly. If the overdue time is short, there will be less penalty interest and less pressure.

Always keep the bill balance in the credit card account at zero, and the cardholder may not have to repay the credit card; If you don't spend money or go through the activation formalities after you get the credit card, you don't need to repay the credit card arrears and you won't generate an annual fee; After paying off all the debts in the credit card and closing the account, you don't have to continue to pay off the credit card.