1. The credit card is invalid after it is overdue. How can I pay back the money?

Go to the bank outlet to repay the loan.

Usually, the credit card number is invalid because the bank cancels the credit card forcibly, and the credit card information can still be found in the banking system. If Cary has debts, she still has to pay them back. But you can't directly transfer the repayment through the card number. The borrower needs to bring his valid ID card, credit card and mobile phone reserved when handling the card, go to the counter of the bank branch and hand over the cash to the teller for repayment.

Once the credit card is invalid, it cannot be restored to normal. The credit card changed from valid to invalid, mainly because it was cancelled by the bank due to serious overdue, and the cardholder could not find any information about the card on the bank official website. The only thing that can be checked is whether the credit card is in arrears. If you owe money, you can't repay it through third-party software or online, but you can only go to the counter of the issuing bank's outlets.

Second, how long will the credit card expire?

1. Different banks have different time agreements on overdue closure of credit cards.

Generally speaking, if the credit card is overdue for more than three months, and the bank refuses to pay attention to it for more than two times, then the bank will seal the card. However, if all credit card debts can be paid off within 90 days, it is possible to resume using credit cards.

3. What if the credit card is overdue?

1. Pay the overdue debts immediately. If you can't afford to pay the full amount, you must also pay part of it first.

2. After the repayment is completed, contact the bank credit card customer service center and explain the reasons for the overdue. When explaining the reasons, I mainly emphasize that I didn't mean to be overdue, but because of an accident at home, such as unemployment. So that the bank can understand.

3. If you can't repay all the money, negotiate with the bank for personalized installment. Maintain a good communication attitude and prove that you have a stable income at present. After the negotiation is successful, the repayment can be made on time and will not be overdue, so the success rate will be higher.

What are the consequences of overdue credit cards?

1, you need to bear a certain late fee.

(1) The late payment fee shall be borne by the cardholder, and the late payment fee will be generated if the credit card is overdue. The collection rule of late payment fee is to remove 5% of the minimum repayment amount.

(2) If the credit card is overdue, it is necessary to pay the overdue debt, otherwise the longer it is delayed, the more late fees will be generated.

2. At the same time, bear certain interest.

Although credit cards bring a lot of convenience to individuals, if they are overdue, banks will charge interest corresponding to the arrears.

3. Affect our personal credit information.

After the grace period of credit card repayment, the bank will immediately report the overdue records to the People's Bank of China, which will affect personal credit information. Whether you want to borrow money to buy a house or a car in the future, it will be affected to some extent.

If the credit card fails to repay on time, the overdue behavior will affect personal credit. Overdue banks will take various measures to urge cardholders to repay as soon as possible. If it is overdue in a short time, it will be reminded by SMS, collected by phone and frozen. If it is overdue, it will be prosecuted. Therefore, if the cardholder has overdue behavior, we must find ways to raise money to repay as soon as possible.