1. What if the credit card is overdrawn too much?

1. Borrow from relatives and friends for repayment: If you only encounter cash flow problems, you can temporarily pay off the arrears by borrowing;

2. Apply to the bank for deferred repayment;

3. Apply to the bank for suspension of payment;

4. negotiate with the bank to reduce the repayment amount. If negotiation fails, you can sue the bank and get judicial credit card debt relief.

2. Will there be a bad record if the credit card is overdue for three days?

There is no bad record when the credit card is returned three days overdue, but it is basically a credit report at the meeting after 15 days. Overdue records of credit information will affect commercial loans in the past five years, such as loans to buy a house, loans to buy a car, and handling credit cards. Generally, I only look at the credit records in the past two years. In addition, overdue credit cards will have the following consequences:

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Third, how to deal with overdue loan arrears?

1. Applying for installment or extension shows your good willingness to repay. Applying for installment or extension from a lending institution is relatively risky and negotiable. If you really can't afford it, you can ask your relatives and friends for help. After all, this kind of thing is no joke. If you have friends who can help you, you can also solve temporary difficulties.

2. The handling of online loans has not yet started, and it is handled in three steps.

(1) Terminate all loan-backed loans and seek the understanding and help of family members. First of all, don't use loans to support loans, which will only make online loans more and more.

(2) In the face of profiteering, rational collection should be adopted. Make a statement in the circle of friends in advance to explain that you are suffering from profiteering collection.

(3) Know your dishonesty, work hard and actively repay the loan.

So be sure to use your credit card within your repayment ability. Although the credit card is overdraft card, the overdrawn money needs to be repaid within the specified time. If you can't repay on time, you may have to bear the consequences of overdue, not only the liquidated damages, but also the personal credit problem.