Solutions to overdue credit cards:

1. As a credit card holder, once he is unable to repay on time due to unemployment, illness or other accidents, before the final repayment period comes, the cardholder had better take the initiative to call the bank credit card center, state

his financial situation, declare that he is not maliciously in arrears, and apply for delayed repayment and interest concessions.

2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to postpone the repayment, and negotiate with the cardholder a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc.

In this way, if you contact the bank on your own initiative and the bank agrees to postpone the repayment, you won't get bad records. However, it should be noted that the repayment will be guaranteed as agreed in the future.

3. If you usually neglect to repay, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare the non-malicious arrears. If you have a good record in the past, < P > and the overdue time is short, you may not be recorded as a bad record if you find that the repayment is good after the overdue. Don't be careless in the future, be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will not be scrolled

, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to keep using the card for more than two years and maintain a good credit during the period, so that the bad records can be removed from the credit information system by < P > rolling records.

in today's credit society, don't underestimate the credit card stain, which will lead to a lot of banking business that you can't handle, and car loans, mortgages and commercial loans can't pass. So, develop a good habit of using credit cards, understand the solutions to credit cards that are overdue, and be prepared!