1. Timely repayment: Pay off the overdue amount as soon as possible, including the principal and interest, to avoid additional fines and affect the credit record.
2. Contact the bank: get in touch with the issuing bank and explain the reasons for overdue. Some banks may offer flexible repayment arrangements or reduce some fines.
3. Arrange automatic repayment: set the automatic repayment function in the credit card account to ensure that the minimum monthly repayment or full repayment can be completed on time.
4. Managing expenses: re-evaluate personal financial situation, reasonably budget and strictly control expenses to ensure that future credit card bills can be repaid on time.
5. Monitor credit records: check personal credit reports regularly to ensure that overdue records have been updated or deleted.
Summary: After the credit card is overdue for 5 days, you should take immediate action to repay it and communicate with the bank. At the same time, establishing good repayment habits, rationally planning expenditures and monitoring credit records will help to avoid overdue again.
Extended data:
Overdue credit cards may lead to fines and have a negative impact on personal credit records. According to China's laws, banks have the right to take measures such as overdue interest and late payment fees, and report relevant information to the personal credit information system of the People's Bank of China. The existence of overdue records may affect the credit evaluation of individuals when applying for loans, buying goods or renting houses in the future.