However, after the overdue breach of contract, you can also negotiate with the bank for repayment, and you can re-divide the total arrears. But this negotiation is at the expense of your personal credit report, which means that the credit report reflects the default record before the credit card debt is paid off, which means that the cardholder's credit report is tainted.
Therefore, if the credit card is stopped, if the personal financial ability allows, the arrears can be settled in one lump sum, which can guarantee personal credit information, otherwise the credit card arrears can only be repaid at the expense of personal credit information.
Extended data:
The application conditions for bank credit cards are similar. The basic application conditions are as follows:
1, applicant's age: the main card applicant must be over 18 years old, and the maximum age limit varies from bank to bank, for example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are 60 years old; Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old.
Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.
2. Personal economic strength: the applicant must have a stable job and legal income, and have certain repayment ability.
3. Credit: Personal credit is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal, etc.
Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.
Credit card withdrawal:
First, more credit card spending.
If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.
Second, properly handle the staging.
Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.
Third, make a good record of using the card.
If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.