I don't know what to do if my credit card is overdue. It can be saved like this!

Many cardholders' credit card overdue is not caused by intentional non-repayment, but occurs without their knowledge, such as not receiving a bill reminder, etc. So, how to deal with this unintentional overdue? Let's introduce how to deal with the overdue credit card.

I don't know what to do if my credit card is overdue.

What I want to say here is that, regardless of whether it is overdue intentionally or not, it's useless to say that you don't know, since it has already happened. What you have to do is to repay the loan at the first time and see if there is any way to save the credit.

First of all, it depends on the overdue time. If the overdue time is one or two days, and it happens to be within the credit card's tolerance period, it's good to say that you only need to repay the loan within the tolerance period deadline. If you have the ability, you'd better repay it in full. If you can't repay it in full, try to handle the installment or repay it according to the minimum repayment amount. Generally, as long as you pay the minimum repayment amount within the tolerance period and arrive in time, it will not affect your credit investigation.

if you don't know, the overdue time has exceeded the tolerance period, what you need to do is to strive for leniency, pay back in full immediately after the overdue, and then call the issuing bank immediately to show the customer service that you are not maliciously overdue and ask the bank not to upload your overdue record to the central bank for credit investigation. At this time, the bank will consider it as appropriate. If you really don't intentionally overdue and the account status has been good, you will probably be spared.

and if the issuing bank has reported your overdue behavior to the central bank for credit investigation, you should also make full repayment, and then call the bank to complain that the overdue repayment was caused by not receiving any bills. If the complaint is successful, you can cancel the bad record. It's not that you can't cancel the card, and don't cancel it. Instead, you should continue to use the card for 24 months in a row, so that the new credit record can cover the overdue record.

that's the introduction of "I don't know what to do if my credit card is overdue". I hope it will help you. In a word, whether you know or not, the overdue credit card must be repaid in the first time, and then do it according to the two methods mentioned above to recover the credit as much as possible.

What should I do if the credit card is overdue accidentally?

1. Bank reasons: Banks sometimes record the repayment time of individuals incorrectly because of system problems, which will cause the credit stain of borrowers. If the credit stain is caused by the bank's system problems, I only need to bring my own relevant documents to the bank's business hall to truthfully reflect the situation. After verification, the credit stain will be eliminated.

2. Third-party reasons: For example, some credit card management software can't repay foreign currency consumption when repaying credit cards. If credit stains are caused by such reasons, they can also go to the local business hall with their certificates to eliminate them. If there are very serious consequences, they can appeal to them.

3. Personal reasons: If the payment is overdue due to personal economic reasons or other reasons, there will be no credit stain if it is repaid within three days.

once the credit stain exists due to personal problems, the overdue record will be shown in the credit report of the overdue person, and this credit record will remain until the overdue person pays off the debt for five years.

During this period, the following consequences will occur:

1. If there is a very serious credit stain, it will be impossible to apply for credit card mortgage and car loan in these five years, in short, all aspects of credit will be affected.

2. personal freedom is affected: if the bank has repeatedly reminded the overdue person to no avail, it will file a civil lawsuit, and the untrustworthy person will be listed as the "untrustworthy executor", and high consumption such as flying high-speed rail and traveling abroad will be restricted. If the circumstances are serious, they will be prosecuted by the bank for economic crimes and face jail time. The definition of economy in China's criminal law is: for the purpose of illegal possession, maliciously overdraw and reach a certain amount. When the amount is more than 1, yuan, the bank has collected money for more than two times, and the money is not paid back for three months, the case can be filed.

3. Affect personal development: Some units and institutions attach great importance to personal credit records, and may not be admitted if there is a credit stain or may not be promoted during the existence of the stain.

The credit stain has a great influence on individuals, so try not to be overdue, and don't easily believe that online payment can eliminate the credit stain. After all, the records exist in the People's Bank of China and cannot be easily eliminated by any means.

Can I complain about the extra penalty due to overdue credit card for several days without SMS?

You can't complain about the extra penalty due to overdue credit card for several days without SMS. If the credit card is overdue within 2 days, you can appeal successfully. Call your bank and tell them that if it is overdue for too long, you need to pay off the loan and wait for the credit information center to update it. It's useless to complain. Even if you go to the People's Supervision Committee to complain about the bank, the result will be the same. Generally, you will meet customers in your situation.

Banks don't know how many tens of thousands of people they meet every day. The only thing to blame is that customers don't pay attention to their credit card bill information. Many customers will use this method, saying that they have not received the bill or text message, which leads to their overdue, and the bank will not agree to ask the bank to reduce interest, even if they immediately complain or go to the People's Supervision Committee to complain about the bank.

even if you don't use a credit card, you have to know this risk. The SMS reminder on the bank statement is only an auxiliary function. If the customer is angry for a while because of this, I just won't pay it back. In the end, the more interest, the bank will benefit, but if you are angry.

negotiate solutions with the bank for overdue credit cards

If a customer wants to negotiate with the bank after the credit card is overdue, he must first clearly explain the reasons for his overdue, show that he cannot repay it on time because he is unable to repay it, and do not intentionally fail to repay it. It is best to provide certain information to prove it, such as proof of termination of labor contract, unemployment certificate, etc. (If the customer still has repayment ability, the bank will probably refuse to negotiate with him).

Secondly, customers have to express their willingness to repay actively. In fact, before negotiating repayment, they should find ways to repay a little bit. Don't directly evade repayment, at least let the bank see that they have the idea of repaying in good faith.

finally, the customer can just say what he wants to extend the repayment period and repay the arrears in installments. In addition, the customer can also try to apply for suspension of interest, and the bank will generally consider it as appropriate.

if the bank agrees, then the customer can negotiate with the bank to work out a new repayment plan, and then just repay the arrears on time and in installments according to the new repayment plan, and never overdue again.

how to complain about the penalty due to one-day overdue credit card of Guangfa Bank

1.

First, call the manual customer service of the credit card center and ask for a refund of interest. The customer service will definitely explain how the interest is deducted. It is best to find the loopholes in their service, such as the default interest is not clearly reminded by SMS, etc. In short, the customer service will ask for a refund of interest and penalty, and the customer service will say that it will apply to the above.

2.

After a few hours or the next day, each bank is different, and the customer service will call back to explain that their interest deduction is reasonable. If you want to continue to ask for a refund, the customer service will say to apply again.

3.

After repeating this several times, the customer service will agree to refund the interest, but it is definitely impossible to refund all the interest, only a part.

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Let's stop here for the introduction of overdue credit card complaints.