It costs about 1,000 yuan. After the credit card is overdue, you must explain the reason for the overdue credit card to the bank, explain the cardholder's financial situation, and apply for an extension of repayment with the bank. If the bank does not agree to the extension, you can contact your home. Ask your relatives to help, and they will be responsible for the repayment. You can also use the minimum repayment function of your credit card.

1. How much does it cost to negotiate with a lawyer for an overdue credit card? It may cost at least 1,000 yuan to negotiate with a lawyer for an overdue credit card, and some good law firms charge even more. Generally speaking, lawyers charge fees based on the number of cases. The fee for each lawyer is 1,000 to 8,000 yuan. If the price under negotiation is more than 100,000 yuan or less, the specific agency fee will be determined based on the degree of overdue and the amount of arrears. This is not fixed. Lawyers will incur different production costs due to different work experience and different workplaces. If your credit card is overdue not because of your intention or negligence, but because of force majeure or the bank's fault, you can directly contact the bank and provide evidence, and then ask it to delete the overdue record. If your credit card is overdue due to your fault, you can only wait until the credit reporting system automatically eliminates the overdue record. After the user's credit card is overdue, he or she can apply to the bank for a suspension of interest on the credit card. However, banks with interest-free accounts will generally not agree, unless the user can provide evidence of temporary inability to repay due to force majeure (bankruptcy, accident, earthquake, flood and other natural disasters), or the previous repayment record is good, and the overdue period is also Only by keeping in contact with the bank and showing a positive willingness to repay the loan will the bank agree to suspend interest rates.

2. What to do if your credit card is overdue. If you cannot pay off your credit card, if the repayment date has not yet come, the customer can quickly apply to the bank for bill installment. In this way, the installment part will be repaid in installments starting from the next month. However, the repayment pressure can be alleviated. Of course, you can also choose the minimum repayment, but the remaining unpaid portion must be paid off in full next month. And if it is already overdue, you will naturally not be able to apply for bill installments or minimum repayments. In this regard, the customer should proactively contact the bank to explain clearly that he or she does not have the ability to repay the loan, and provide corresponding supporting information to show that he did not intentionally fail to repay the debt. Then he can try to apply for extending the repayment period and repaying the debt in installments. , and suspend pending accounts. The bank should consider it as appropriate and agree to the best. Then they will discuss a new repayment plan and then repay the debt according to the new plan. And if the negotiation fails once, you can try a few more times. If the negotiation is really unsuccessful, you can only find another way. For example, you can try to borrow money from family and friends around you to pay off the credit card. It costs about 1,000 yuan to ask a lawyer to negotiate overdue credit cards. After the credit card is overdue, the cardholder can actively apply to the bank for installment repayment. Credit cards have the function of credit consumption and credit certificates, which can save cardholders the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. You can use credit cards for consumption anywhere in the country. Credit cards need to be issued by commercial banks and are electronic payment cards.