If the credit card is overdue, you can negotiate with the bank for repayment, but there will be late fees and interest during the overdue period. Because the overdue interest on credit cards is calculated on a daily basis, the sooner you negotiate, the better.

After overdue: firstly, the bank collection, that is, the collection department inside the bank credit card is responsible. Bank collection is usually done within one or two weeks after the credit card is overdue, by SMS or telephone reminder. If the overdue time is too long, it will be transferred to a third party for collection, and there will be more collection calls, but it does not rule out the explosion of the address book.

If the credit card collection explodes the cardholder's address book, and the contacts in the cardholder's address book have been subjected to improper collection behaviors such as violence, coercion, intimidation or abuse for many times, the collection process can be recorded, and then the collected telephone recording can be used as evidence to complain to the collector, which can also be used as the basis for negotiation.

How to negotiate?

1, actively contact the bank to negotiate repayment.

After the deadline, the sooner the better, take the initiative to contact the bank to negotiate, and can't call several times at a time. Because most banks have principal installments, the longest repayment period is 60 years, and the intermediate banks don't earn any interest, so it's not successful as soon as they start.

2. Sincerely show that you are willing to repay.

When negotiating repayment, you must tell the bank that you have no malicious overdraft, and explain your current economic situation to the bank that you can't repay in full and on time at present, but you have work income, and you will try your best to raise money for repayment to see if you can negotiate a repayment plan acceptable to both parties.

3. Keep relevant evidence at any time.

Whether it is negotiating with the bank for repayment or being violently collected, relevant evidence should be kept and then fed back to the bank. It is said that the success rate of negotiation will be higher, but the premise is that users should always maintain a civilized and friendly attitude.