1. What is the best way to deal with an overdue credit card?

You can try to negotiate repayment with the bank. If the bank is overdue for a long time or maliciously owes money, the bank can take legal channels and proceed with the repayment. Yes, I hope it will attract attention. Serious overdue payments will leave a bad credit record.

2. How to repay an overdue loan on the official website of Yilong Loan.

If the loan is overdue for more than 30 days, the system of Yilong Loan will automatically issue a credit transfer notice. If the investor does not cancel the transfer of creditor's rights within 10 days, the Yilong Loan system will automatically complete the creditor's rights acquisition.

3. Which repayment method is better?

It depends on personal circumstances.

The principal method generates less interest, but the early repayment pressure is high. In addition, the monthly repayment amount is different, and you need to repay it month by month according to the repayment schedule printed at the bank. Once the amount is insufficient, it will become overdue. Therefore, I think this method is suitable for people who have sufficient financial resources and are well-organized.

With the equal principal and interest method, although the total interest is higher, the repayment pressure is average, and the monthly repayment amount is the same, making it easy to remember. Therefore, this method is suitable for people with limited financial resources and a certain amount of pressure to repay, or people who have no pressure to repay and do not care about the interest and are willing to save trouble.

In short, you should not cause huge pressure on yourself and lower your living standards just to save interest. Which method to choose should be based on the ability of the person.

4. What is the best way to repay after overdue payment?

I have compiled some overdue repayment methods here, hoping to help you

Many people worry about violent collection and are worried about being raped once they are overdue, so whenever there is a collection call, , just find a way to find a few hundred yuan to repay, or repay a little through a platform after you get your salary, leaving only the poor living expenses, but you don’t know that this method of repayment does not reduce the debt at all, because all the money you repay is It's liquidated damages, high interest, etc. If you are unable to repay the entire amount at one time after it is overdue, please do not pay dozens or hundreds of dollars at a time. You must master the correct repayment sequence so that you can truly pay it off. Here is a brief introduction. 1. Why can’t you repay the loan first?

After the due date, you must not make a little money and then pay it back. You must keep the money. The reasons are as follows:

1. Guaranteeing a basic life

I have seen some people who were overdue and were frightened by debt collection. They might have returned all the tens or hundreds of dollars they had with them. As a result, their lives were messed up and they often couldn't even eat. It all becomes a problem, and the result is that you can only make daily settlements. You can earn tens or hundreds a day by doing daily settlements, but you may not have much left after eating, so the debt will never be paid off.

2. Accumulate funds to do small projects

For those who are overdue, don’t think about doing big projects, but you must leave some money to do some small projects. Project, for example, you can save 10,000 to 20,000 yuan to start some e-commerce projects or other small businesses. After all, it is still very difficult to pay off debts by working part-time. Many times, even if you start a small side business, you still need some capital. When you have no capital at all, you will find that you can't do anything and it will only make you depressed.

3. Waiting policy

In many cases, whether it is a credit card or an online loan, corresponding policies will be given within a period of time, including interest reduction or exemption, and payment of principal installments. Even principal discounts, etc., if you can have the money to deal with it at this time, for example, let you repay 10% first, then the bank can give you relief according to the policy, and if you usually repay a few hundred yuan each time, a little money Even if there is such a policy, you can't catch it, so even if you go into debt, remember to find a way to save tens of thousands of dollars so that you can take it out when needed. 2. Repayment sequence

1. Repay those with criminal risks first

Those that may involve criminal risks are generally credit cards with a single credit card exceeding 50,000 yuan, including fixed limits and temporary limits. Including handling fees, liquidated damages, etc., so if you have a single credit card that exceeds 50,000 yuan, you must handle it carefully. If you cannot pay it off immediately, it is best to repay the principal to less than 50,000 yuan. If it is If you don’t have any money at all, you must actively negotiate with the bank. Currently, many banks’ policies are that if you exceed 50,000 yuan, you can repay it in 60 installments, so don’t worry too much, actively negotiate, and only repay the loan. The principal is repaid in 60 installments.

2. Repay the negotiated platform first

For the negotiated platform, whether it is a credit card or online loan, you can repay it first, and the negotiation must be based on your own actual conditions For example, some people tell you that it will be divided into 12 installments and cost several thousand per month. It is obviously very difficult for you to pay it back. You may have to pay it every month, or there may be an accident and you will not be able to pay it, so the negotiation must be guaranteed. If you can repay it no matter what the circumstances, it is best to negotiate that the monthly repayment amount be less than 1/6 of the monthly salary

3. Credit card first, then online loan

< p>In fact, online loan platforms must handle the final processing, especially those online loan platforms that are higher than the national interest rate. They will not process it first and wait for them. The test at this time is whether you can resist the collection. You must first negotiate Handle good platforms, handle credit cards well, and then consider other platforms when you have money. As long as you can resist debt collection, everything will not be a problem. Some people may tell you that after your credit card expires, you can avoid it by paying off one or two hundred yuan every month. In fact, it is completely unnecessary. As long as your principal is not more than 50,000 yuan, you don’t need to worry too much. Generally, a credit card will The chance of a loan of 20,000 being loaned out is very small. It may take several years to reach the stage. I believe that within this time, you will have already reached an installment repayment agreement with the bank and only have to repay the principal. That's it. If you pay one or two hundred a month now, you'll have to pay liquidated damages, which makes no sense at all. So you have to master the correct order after the due date, so that you can really pay off the debt.