1. Contact the bank proactively. After the payment is overdue, contact the CCB Credit Card Center as soon as possible, proactively explain the reason for the overdue payment to the bank staff, and express your willingness to repay.

2. Strive for negotiation. If the user’s CCB credit card expires due to an economic crisis in a short period of time, the credit card expires due to a break in the capital chain. At this time, if the user cannot repay within a short period of time, they can negotiate with the bank. Try to negotiate with China Construction Bank to prevent default on interest rates or credit card installments.

3. Implement it carefully. If the user obtains the overdue credit card installment treatment method or other overdue treatment methods and plans from China Construction Bank, the user must actively and conscientiously implement the channel agreement and plan.

What are the consequences of an overdue China Construction Bank credit card?

Overdue credit cards will accrue interest and liquidated damages. China Construction Bank and other commercial banks handle overdue credit cards similarly. Overdue credit cards from China Construction Bank will also be charged penalties related to overdue credit card interest and liquidated damages. The charging standards are unified by the People's Bank of China, so the charging standards of commercial banks across the country are unified and comply with legal regulations.

If a bad record is left in the Credit Reference Center, China Construction Bank will also report the overdue use of credit cards to the Credit Reference Center of the People's Bank of China every month and record the overdue use of credit cards in its personal credit report.