1. Use the minimum repayment amount function: Every bank will have a minimum repayment amount function. As long as the minimum payment is repaid, the bank will not charge late fees and will not affect your personal credit. Generally speaking, the minimum payment is 10% of the total bill amount.

2. Use the installment function: If you are under pressure to repay, you can directly apply for bill installment. Typically, banks provide public energy for periods 3, 6, 9, 12, 18 and 24. You can choose the number of periods based on your own repayment ability, which can alleviate the repayment pressure and will not affect your credit; the disadvantage is that there will be a handling fee, which is different from banks, generally between 0.6% and 0.8%.

3. Take the initiative to negotiate with the bank: If you cannot repay on time due to special circumstances such as unemployment or illness, you can take the initiative to call the bank to explain the reasons and prove that you are not malicious in refusing to repay, and there are indeed reasons to discuss whether the repayment can be postponed.

1. The automatic repayment function of a credit card is set by the cardholder and is not mandatory by the bank. This is completely different from a loan. When applying for a loan, you must bind a bank card as a repayment card, but it is only limited to repayment from the bound card. Other cards usually do not have the authority to deduct funds, but there are examples, such as Huabei, There are many ways to repay borrowed money. If you bind multiple cards, the money will be deducted in sequence. If one card has no money, the next one will be deducted. However, if you unbind the bound bank card, the money will not be deducted from the other card. Deducted.

2. Of course, there will be individual cases. For example, if the credit card is seriously overdue, the cardholder's property may be frozen by the judicial authorities. In this case, the salary card under his name will not be bound as a deduction. Cards will still be deducted for repayment, so it’s best not to go to this step.

3. Bad debts caused by different situations are handled in different ways. Here are three methods:

1. Overdue:

Bad debts caused by overdue credit cards There is only one way to deal with bad debts, which is to pay off the credit card debt. After repayment, you cannot cancel the card immediately. Instead, continue to use the credit card, spend more, and pay back on time. After using the card for two years, cover the bad debts with new records. Record. Otherwise, if you cancel the card immediately, even if the debt is settled, the bad credit will still follow you for a lifetime and will not be eliminated after 5 years.

2. Annual fee arrears:

For bad debts caused by arrears in annual credit card fees, if you do not plan to continue using this card, it is recommended to completely close the account after paying off the outstanding balance. The credit card bad debt status will become an overdue record and will also remain on the personal credit report for 5 years from the date of repayment.

3. Overpayment:

For bad debts caused by overpayment on a credit card, the cardholder must withdraw the remaining money from the card and then completely cancel the credit card and all accounts associated with the card. , and ask the bank to cancel the bad debt record on the credit report.