1. Contact the bank customer service or the counter for consultation immediately to prevent repayment difficulties or personal credit records from being affected after exceeding the credit limit.
2. If the credit card has been overdrawn, you should pay off the overdraft immediately to avoid being added to the blacklist of bank credit information due to overdue or excessive overdraft, and damaging your credit record on other platforms.
3. If one-time repayment is not possible, it is recommended to negotiate with the customer service of the bank to make an appropriate repayment plan to avoid excessive accumulation of interest and fines.
4. Pay attention to the frequency and amount of credit card use, reasonably control the scope and amount of credit line, and avoid exceeding the limit again.
We should not only pay attention to credit cards, but also pay attention to personal credit records. Online loan users can also check their credit qualifications by docking the third-party big data risk control platform. Such as kingfisher data and sesame credit. These data cooperation platforms can not only understand their own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans are shared on most lending platforms, which means that if the borrower is overdue or owes money on one platform, such bad records will also be made public on other lending platforms. Therefore, we should seriously safeguard our online loan credit to avoid another financial crisis in the future.