1. What are the new policies for credit card inability to repay in 2022? The new policy for credit card inability to repay in 2022 is reflected in the following five points. First, you can apply for an interest-free period. According to the old regulations, the maximum interest-free period for credit card applications can only be 60 days, and the minimum is 25 days. However, in the new regulations in 2022, the interest-free period can be changed according to the actual situation. The second is the minimum repayment amount. Cardholders can negotiate with the bank for a minimum repayment amount acceptable to both parties based on their own circumstances. Third, you can modify the overdraft interest rate range. In the new regulations, the overdraft rate is changed from 0.035% to 0.05%. The fourth sentencing standard. In the new regulations in 2022, the sentencing standard for credit card arrears will be increased to 50,000 yuan. Fifth, cancel late payment fees. In the new regulations, late payment fees are changed to liquidated damages, and 5% of the refund of the minimum payment amount will be charged. Sixth Courtesy Collection. Even if the cardholder has overdue behavior, the bank can only control the collection of the user to one or two calls a day. There can be no violent collection. 2. What are the ways to deal with overdue credit cards? There are two ways to deal with overdue credit cards. 1. Installment repayment. If the amount of debt owed is relatively high and the cardholder has poor financial capabilities, he or she can choose to repay in installments by dividing the entire bill into multiple installments. If you have difficulties, you can also apply for personalized installment repayment. 2. Minimum repayment amount. If the cardholder cannot repay in full and in a timely manner within a short period of time, he or she can choose the minimum repayment amount to avoid being charged by the bank and being sued. Wait until your funds are in place, and then pay off all the debt. 3. What should I do if I really have no money after my credit card expires? If I really have no money after my credit card expires, I can negotiate with the bank to suspend the interest rate and pay the bill. No matter who you owe money to, you will eventually have to pay it back, not to mention the money you owe to the bank, which you cannot get rid of. It is best to negotiate the installment by yourself when the bank comes to you. You can explain your difficulties to the bank staff, then say that the overdue payment was not malicious, and provide relevant supporting materials to apply for personalized installment repayment. If the information you provide is true and meets the requirements for personalized installment repayment, then the bank will sign a new agreement with you, which can be divided into up to 60 installments, and will stop the increase in interest and gradually repay the loan on a certain day.