1. What to do if your credit card is overdue in prison

1. If an inmate’s credit card is overdue, he can contact the card-issuing bank to explain that he is serving a sentence. , and then apply for a suspension of outstanding debts, and then repay the debt after being released from prison. After all, there are reasons for everything, and the bank will naturally consider it as appropriate and will not reject it easily.

2. Of course, if the sentence is longer, the client can also try to find family and friends to help repay the loan, and then solve the debt problem of relatives and friends after he is released from prison (although the debt still exists, but The creditor is no longer the bank, but relatives and friends, so it is easier to negotiate the repayment time and no interest will be accrued due to overdue payment).

3. If the amount of credit card debt is large and cannot be paid for a while, you can also apply to the card-issuing bank to extend the repayment period, repay the debt in installments, and allow relatives and friends to add large sums of money to the card regularly. used for credit card repayments.

4. Of course, if the person concerned still has certain assets in his name, he can just bind his personal bank card for repayment. If you don't have enough money, you can also choose to sell or transfer assets, and ask relatives and friends to help use the proceeds to pay off credit cards.

2. What to do if your credit card is overdue?

1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay.

2. Use the minimum repayment function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure and won't affect your credit.

3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to explain the situation to the bank and negotiate. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again.

If the sentence is longer, the person concerned can also try to seek help from family and friends for repayment, and then solve the problem of debts owed by relatives and friends after being released from prison. If there are still certain assets in the name of the party concerned, they can be repaid by binding a personal bank card.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.