If your credit card is not activated, or the card is in an abnormal state, frozen, stopped paying, etc. , or the card is worn, leading to degaussing, etc. It is naturally impossible to brush it out.

Consumer merchants:

The state has restrictions on credit card transactions related to housing. In addition, there are restrictions on the consumption and wholesale of building materials. If the consumption of merchants in these countries is restricted or prohibited, they cannot be brushed out.

Limit problem:

Each bank has set a single transaction limit for credit cards, or a single-day transaction limit and a monthly cumulative transaction limit. For example, the single transaction limit of China Construction Bank does not exceed 10000 yuan. If your single transaction exceeds 10000 yuan, you can't swipe your card naturally.

What happens if the credit card is overdue and the minimum repayment amount is not paid? What's the latest delay?

Summarize the following four points:

Actively cooperate with the bank and never be judged as malicious overdraft. After the credit card is overdue, it is normal for the bank to collect it. Just like you owe a friend, it's the same for a friend to urge you, but you don't have to worry too much. After all, banks are formal financial institutions. Even if the bank entrusts the collection work to a third party, there will be no excessive behavior, which may be more frequent. At present, the collection of many banks is relatively standardized. After all, there is strict supervision. You can take it without affecting your work and life. If it affects work and life, you can choose not to take the exam.

You can pay a little more or less every month. In order to prevent the bank from judging that you are maliciously overdrawn, that is to say, even if you have money, you don't want to pay back the money. You can pay back some money more or less every month, even 50- 100 yuan (such repayment behavior is forbidden for a long time), which can show your willingness to repay, rather than deliberately overdue.

Try to pay it off in one lump sum. In your case, you can't pay back the money. Be sure to put down your face and let your family and friends help you find ways to collect the money. According to most banks, if you pay off in one lump sum, there is a preferential policy of reduction and exemption, that is, the bank may reduce the overdue interest and liquidated damages for you, and you can pay them back slowly from your relatives and friends. This is the fastest way to get ashore, and it will solve your troubles of being collected every day.

According to relevant regulations, negotiate personalized repayment. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. Through negotiation, the monthly repayment is between 1 1,000-2,500 yuan, so as to reduce the repayment pressure and avoid the trouble of collection and prosecution.