My credit card is overdue and has been taken back by the bank. The account has not been closed yet. Can I still get the card back for use?

No.

Once a user's credit card expires, the card will be blocked by the bank and cannot be used normally. My China Construction Bank credit card was overdue and the card was taken back by the ATM. Can I still get it back?

If your credit card is overdue, the status of the card is abnormal and the ATM will automatically swallow the card. It is recommended that you go to an outlet first. Check the card number at the counter and pay back the account, otherwise you will not be able to use the card after you replace it~

If the card is swallowed, you can contact the CCB nearby, or call the 95533 hotline, and they will tell you how to withdraw it. Back. My credit card is overdue and the bank has taken it back. How can I pay back the money?

You can use mobile banking or online banking to transfer funds directly to the card number.

This question

You need to consult the local bank

If the credit card that the money must be exchanged is returned to the counter, can it be taken back to continue? Is it useful?

1. The card can be restored if the card is canceled but the account is not closed

When canceling the card, the cardholder can call the bank customer service to cancel the card. Log out of your card when you ensure that there is no excess amount or debt in your card limit.

When opening a card again, the cardholder can explain the situation through manual customer service, provide the ID number, and some information registered when opening the card for verification. After confirming that you are the cardholder, the staff will immediately handle the credit card cancellation procedure.

2. Card cancellation and account cancellation cannot be restored

If the cardholder cancels the card and goes through the account cancellation procedures, the credit card restoration process will not be possible. What should I do if I overpay on my Ping An Bank credit card? Can I still get the money back?

Bad debts caused by overpayments

Compared with general bad debts, overpayment bad debts are much better . Simply withdraw the money, close the account, and then ask the bank to update its records. Can I still use my credit card after it expires? It has not been paid off

If it is a China Merchants Bank credit card, the credit card has not been frozen, and there is still available credit, you can continue to use it. How many days are overdue for the minimum payment on a credit card, will the bank take back the credit card?

How many days are overdue for the minimum payment on the credit card, the bank will not take back the credit card. The overdue payment will be recorded in the personal credit report and the credit card will not be taken back;< /p>

Failure to repay by the repayment date is considered overdue, and will be recorded in the credit report;

Overdue bad records will be recorded in the personal credit record. If you continue to fail to repay, , will be entered into the blacklist, affecting personal credit;

The bank's handling method after the credit card is overdue:

1. Consumption payments no longer enjoy the interest-free repayment treatment. The card-issuing bank will calculate interest on a daily basis starting from the accounting date, using the consumption amount as the principal, with a daily interest rate of 0.05%, and compound interest on a monthly basis; for the unpaid portion of the minimum repayment amount, a 5% late payment fee will also be charged on a monthly basis. .

2. Receive reminder calls and reminder letters from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a loan normally.

Special reminder: It is recommended that credit card users pay their bills on time and maintain their credit record. Can China Merchants Bank credit card users cancel their accounts after the expiration date?

No.

Credit card application conditions:

1. Over 18 years old and not over 65 years old;

2. A second-generation ID card is required;

3. Proof of employment and income stamped with the company’s financial seal;

4. No bad credit record;

5. Other proof of financial resources, such as real estate and cars , stocks, bonds, etc.

Materials for applying for a credit card:

1. Identity certification materials: photocopy of resident ID card or military officer ID card;

2. Work and income certification materials;

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3. Other proof of financial resources: such as a photocopy of the real estate certificate, a photocopy of the vehicle driving license, a photocopy of the deposit receipt, etc.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and photocopies of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, card printing, and card issuance;

5. After I get the card, I open it and wait for the password letter .

6. Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate under your name, or For fixed assets such as cars or if you have a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high. My credit card is overdue and I haven't paid it off yet. Can I get a loan?

Generally, it is not possible. Banks and formal financial institutions are stricter about loan credit audits. I hope the answer is useful to you. Remember to adopt it