1. Use the minimum repayment function;
2. Use piecewise function;
3. Change the bill date and extend the repayment period;
4. Repayment by card or cash withdrawal;
5. Take the initiative to negotiate with the bank to explain the situation. If it is really impossible to repay temporarily due to special circumstances such as work, you can take the initiative to explain the reasons to the bank, prove that it is not a malicious overdraft, and discuss whether you can postpone the repayment. If a malicious overdraft is suspected of credit card fraud, the cardholder should bear the corresponding legal responsibility.
Credit card:
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1][2]. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.