If it is overdue accidentally, you need to pay back the debt in time. If the problem is not serious, you can also negotiate with the bank. If you have doubts about your creditworthiness, you can also file an objection application.

1. Return the debt in time

This is definitely the most important step, because if your debt is not paid back, it will be irreversible after a certain period of time. situation. So when you learn that your bank card is overdue, the first step must be to pay back the balance you owe.

2. Negotiate with the bank to handle the matter.

If sometimes you forget it accidentally, and the consequences are not very serious. At this time, you can take the initiative to explain to the bank, so that it is possible to eliminate the bad information this time. But if the overdue time has passed for a long time, this method will not be effective.

3. File an objection application

If you have doubts about your creditworthiness and feel that your score is too low. Or your card has been stolen and you don't know that there is still a balance outstanding on the card, resulting in overdue payment. At this time, you can go to the Central Bank Credit Reference Center to handle it. Of course, if there is enough evidence, your overdue record can be eliminated.

4. Overwrite records

If your overdue records have become a certainty, then you need to do some post-processing work to restore them. After paying off the debt, remember not to destroy the card, use the card to make more purchases, and maintain a relatively good repayment record. In this way, it will overwrite your previous bad records, because generally speaking, although overdue records will be recorded for five years, in general use, only the records of the first two years will be looked at. Therefore, as long as you maintain a good repayment record in the past two years, you can have a relatively good credit score.

So in general, it is better to try not to overdue your credit card, and the sooner you find it is overdue, the better.