If the annual fee payment is overdue because the payment notice has not been received, and the user requests the bank to waive the annual fee and clear bad records, the user must explain the reason to the bank and provide relevant evidence.

If the bank verifies that the cardholder has not received a notice to pay the annual fee, it will generally consider reducing the annual fee. However, the specific amount and method of reduction may vary according to the bank's policy and the specific situation of the cardholder.

If a cardholder forgets to pay the annual fee and pays it immediately after discovering it, it is recommended to proactively explain the situation to the bank and explain that the overdue payment was not malicious. The bank may issue a certificate of overdue annual fees to reduce the impact of this overdue payment on your credit record. However, it should be noted that even if the bank issues a certificate of overdue annual fees, the overdue payment will still have a certain impact on future credit business, although the impact may not be significant.

What should I do if my credit card is overdue?

1. Use the minimum repayment amount function: Every bank provides the minimum repayment amount function. You only need to pay the minimum repayment amount, and the bank will not charge late fees, nor will it affect your personal credit. However, it should be noted that the bank will charge interest, which is calculated every day and will generate compound interest. Paying only the minimum repayment amount may increase the repayment amount, which is not conducive to long-term financial management.

2. Apply for bill installment: If you really cannot repay the entire debt at once, you can choose to apply for bill installment. Banks usually provide installment plans with different numbers of installments, and you can choose the appropriate number of installments based on your repayment ability. This can alleviate the pressure of repayment, but it should be noted that installment repayment will increase interest expenses and may affect personal credit.

3. Change the billing date: You can apply to the bank to change the billing date and extend the repayment period. However, it should be noted that banks usually stipulate a limited number of times to change the statement date, which can generally only be changed once every six months or every year.

4. Active negotiation: If you are unable to repay on time within a period of time, you can proactively contact the bank to explain the situation and request a delay in repayment. Relevant certificates can be provided to prove that the overdue payment was not malicious but was due to special reasons that prevented timely repayment. Actively communicate with the bank to discuss solutions and you may get some help.