Credit card overdraft interest can be refunded. First call the credit card center and apply for a refund of the credit card default penalty. If the bank does not agree, you can call the bank or complain to the China Banking and Insurance Regulatory Commission. The overcharged interest can definitely be refunded. of. Because excessive interest, liquidated damages, penalty interest, etc. exceeding the red line are not supported by the law and can be claimed through a complaint.

Solutions to overdue credit cards

1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, when the final repayment period arrives, Previously, cardholders had better call the bank's credit card center to state their financial situation, affirm that they did not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and will work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record. However, it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay the loan as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system.

Will the overdue credit card of the supplementary card affect the supplementary card holder

1. The overdue credit card will affect the credit of the supplementary card holder.

2. The supplementary credit card is the supplementary card. The main credit card and the supplementary card can enjoy the credit limit of the main card. The consumption records are unified into the main card bill and paid by the main cardholder. Arrears.

3. The principal cardholder of a credit card can open a secondary card for use by his relatives. When using a credit card, you need to pay attention to the credit limit. The primary card and the secondary card have the same credit limit. .

Legal Basis

"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 57 The card-issuing bank shall specify in the credit card acceptance contract (agreement) It stipulates the specific operating procedures for using the cardholder's relevant assets to repay credit card loans. Without the cardholder's authorization, the cardholder's assets may not be used to directly offset credit card accounts receivable. Except as otherwise provided by national laws and regulations. When the card-issuing bank receives repayment from the cardholder, it will offset various arrears in the credit card account in the following order: if it is overdue for 1-90 days (inclusive), the interest or fees receivable will be paid first, and then the principal. The repayment will be carried out in the order of repayment; if it is overdue for more than 91 days, the repayment will be carried out in the order of principal first, then interest receivable or various fees.