1. First of all, if your overdue date was not caused intentionally by you, then there is no need to panic. Generally speaking, most banks have a certain repayment period. As long as you can repay the overdue amount within the appropriate time, the bank and the province will not hold you too accountable. But if the repayment time exceeds, you can also call the bank’s customer service number for explanation. After showing your sincerity, you still need to repay the loan in full.

2. Of course, if you exceed the grace time, but you also communicate with the bank by phone. But the bank just doesn't buy it, so you can also find some special reasons to shift the responsibility to the bank. In this way, the bank will think that it is negligent and give you time to repay the loan. But if you have a conflict with the bank and have a history of overdue payment, you should still use the card normally even if you are anxious. Because after 24 months, this overdue record on your personal credit report will be overwritten by time.

3. In fact, with the continuous popularity of credit cards, basically everyone has a credit card. Some people may have several credit cards in their hands, so it is not difficult to understand the phenomenon of overdue credit cards.