If it is really unable to repay, you can negotiate to repay the credit card overdue for one year.

Under normal circumstances, overdue repayment of credit cards cannot reduce liquidated damages and penalty interest. Due to the user's own breach of contract, there are liquidated damages and penalty interests. In addition, liquidated damages and penalty interest are automatically settled by the system.

If the credit card is overdue, users are advised to repay it as soon as possible to reduce the adverse effects. If you have no repayment ability, you can also negotiate repayment with the bank.

Operating environment: China Construction Bank 5.5.9.

1. What should I do if CCB's credit card is overdue?

CCB's credit card is overdue, and it should not be cancelled immediately after full repayment, but should be reused for more than two years, and the credit is good during the use of the card to avoid overdue repayment. Credit card records can be deleted from the credit investigation system by rolling records.

Second, the construction bank credit card overdue reasons analysis

There are several reasons why CCB's credit card is overdue: first, it is careless and forgets the last repayment date; Second, due to business trips, travel and other reasons, it is impossible to repay in time on the last repayment date; Third, there is a problem with the funds, which cannot be repaid in full.

Three, the construction bank credit card overdue consequences analysis

If the credit card of CCB is overdue, the cardholder will not only have to pay the overdue fine and interest of CCB, but also affect the cardholder's personal credit record. /kloc-If there are three or more bad records within 0/2 months (three times overdue), CCB may freeze the credit card at any time and synchronize the bad records with the People's Bank of China. Cardholders may be refused to apply for credit cards, car loans and mortgages from various banks in the next five years. If it is not repaid within the time limit, the collection standard of CCB's overdue fine is 5% of the unpaid part of the minimum repayment amount. The total amount is 2000 yuan, and the minimum repayment amount is generally 10% of the total amount, that is, 200 yuan, so the late payment fee is 200 yuan ×5%= 10 yuan. In addition, if the repayment is not made in full, the interest will be calculated according to each consumption from the bookkeeping date, and the daily interest will be 0.05% until the consumption is paid off.

Four, the construction bank credit card overdue prevention

To prevent CCB's credit card from being overdue, we can start with the following points: remember your last repayment date, open SMS reminder service or pay attention to CCB's official WeChat to know your repayment information in time; If you need to go out before the final repayment date, it is recommended to repay in advance; If you can't repay in time due to going out, you can call customer service to explain the situation and apply for deferred repayment. Generally, it can be postponed for 2-4 days; If you can't repay in time due to economic reasons, it is recommended that you must pay off the minimum repayment amount to ensure that there is no credit card overdue record.

Finally, I would like to remind you that the overdue credit card of CCB may be very serious, which is related to our own credit problems. As can be seen from the above, we should consume rationally, not because this consumption mode is avant-garde. We should control our hands, spend reasonably and live within our means. What if CCB's credit card is overdue? If it is overdue, the consequences will be very serious. Once it is overdue, it should be saved in time and cannot be discarded directly, which will have serious consequences for your future credit information.