When negotiating, remember to tell the bank that you didn't mean to overdue. First show sincerity, and then you need to pay back in full. If there is no record of overdue repayment before, the bank will not record you as overdue.
Extended information: 1: What is a credit card?
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60mm, a width of 53.98mm and a thickness of 1mm, which are issued to cardholders by banks or credit card companies according to the credit and financial status of users. Cardholders do not need to pay cash when using credit cards, but pay back on the settlement date. Except that some credit cards are combined with financial cards, general credit cards are different from debit cards and withdrawal cards. Credit cards do not directly debit the user's account.
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units for shopping, consumption and cash deposit and withdrawal in banks. It is a card form with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip printed on the back.
Real credit cards have the following characteristics: cash deposits are not encouraged, consumption is first followed by repayment, interest-free repayment period can be enjoyed, and repayment can be made in installments (minimum repayment amount). We have joined visa, master and other international credit card organizations and used them all over the world.