1. How to cancel the account when the credit card is overdue?

1. After the credit card is overdue, the cardholder needs to find a way to repay it as soon as possible. Either work hard to make money part-time and fill this hole as soon as possible. Or ask friends and relatives for help and pay off the money as soon as possible.

2. After the repayment is successful, the cardholder needs to bring his/her credit card and ID card and go to the issuing bank to request the cancellation of the card. If the cardholder wants to cancel the account, he/she has to log off.

Although the cancellation of the card can really help the cardholder to avoid excessive consumption, it is not a good thing. Because credit cards and repayment records will always exist, they will not be erased because the cards are cancelled. If the cardholder wants to apply for other loans, the bank will refer to the credit history of the cardholder in the last two years.

If the bank finds that the cardholder's credit card can't be recorded after it has been paid off overdue, it will have some doubts about the cardholder. It is suggested that cardholders can swipe some small credit card bills after paying off the bills, and then roll up the good credit records to cover the bad ones.

5. Brush more at ordinary times and repay in full and on time every month to form a good repayment record. If a qualified cardholder only accidentally fails to repay in time, then many times, when applying for a loan or credit card, most banks will still approve the card or issue loans.

2. Can I not repay the interest if my credit card is overdue?

After the credit card is overdue, even if it is not returned, you can't help but pay interest. Although the bank provides the service of stopping payment, which only allows customers to stop payment after the application is successful, the interest generated before is still recorded in the bill and needs to be paid off by customers.

If the customer pays the principal instead of interest, and the arrears are actually not paid off, or they are still overdue, they will continue to collect penalty interest, which will also continue to have a negative impact on personal credit, and overdue information will continue to be recorded in the credit report.

If the customer wants to pay back, he must pay off all the principal and interest owed as soon as possible. If it is really unclear at the moment, you can also try to extend the repayment period and repay the arrears in installments while applying to the bank customer service.

Customers had better avoid overdue. In fact, when the amount to be repaid recorded on the bill is too large after sunrise, they can apply for bill installment before the repayment date, or pay the minimum repayment amount first.

The credit report of overdue cancellation of credit cards will also show that many people go through cancellation procedures when their credit cards are overdue, with the aim of eliminating overdue bad records through cancellation. But in fact, this behavior is not feasible, because no matter which bank's credit card is cancelled, its bad record will not be eliminated.

After the deadline, the cardholder must pay off the debt as soon as possible. After paying off the credit card debt, the cardholder needs to bring his credit card and ID card to the card issuer. Overdue records will be generated after overdue, but they will not be eliminated. Cardholders can replace the old records with new records.