If you have tried to repay but due to cross-bank, the result will be available within five working days, third-party payment is delayed, etc., the first time can be exempted, such as the ATM is broken.
If it is for other special reasons, you can pay attention to the account, have paid off the debt, and it is the first time to apply, traveling to a remote and inconvenient place, etc., and the credit card record has been good before, then the credit card agent can It is possible to apply for a reduction of late payment fees and interest for you.
Pay attention to overdue credit cards. One overdue payment will have little impact on the loan as long as you repay it in time. There are 13 situations in which a bad record will be left in the eyes of the bank and affect the loan:
< p>1. The credit card has been overdue for three consecutive times and six times in total.2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.
3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.
4. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest. ?
5. Water, electricity and gas bills are not paid on time. ?
6. Cashing out of personal credit cards. ?
7. Student loans are in arrears and are not repaid. ?
8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. Failure to pay it will result in a negative credit record. ?
9. Credit card overdrafts and mortgage loans are not paid back on time.
10. When providing guarantee to a third party, the third party failed to repay the loan on time. ?
11. The personal credit report will also record some economic judgments of the court. Therefore, financial disputes such as debt arrears will also affect your credit record. ?
12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, it will be overdue due to monthly rent arrears, which will also cause bad records.
13. Credit card arrears records are generated when someone else uses the identity card or a copy of the identity card fraudulently.
Extended information
The maximum overdraft period of a credit card is 60 days.
Credit card overdraft interest will be calculated at a daily interest rate of 0.05% within 15 days from the date of signature or bank accounting (including the current day), and a daily interest rate of 10% for more than 15 days, and a daily interest rate of 10% for more than 30 days. Or if the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15%. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.
If a consumer is overdrafted in full and unable to repay on time, overdraft interest and other fees will be incurred, causing the amount of debt to exceed the limit. Since the overdraft is due to the fees of the credit card itself, for this In this case, some banks do not charge additional fees. For example, the credit card centers of China Construction Bank and China Merchants Bank have stated that there is no provision for over-limit fees.
If a cardholder uses an organizational card for overdraft, his or her organization shall be responsible for repaying the overdraft amount and paying overdraft interest. If a cardholder has an overdraft when using a personal supplementary card, the principal cardholder shall be responsible for repaying the overdraft amount and paying overdraft interest; if the principal cardholder loses the ability to repay, the supplementary cardholder shall be responsible for the overdraft. Repayment of the amount and liability for payment of overdraft interest.
Baidu Encyclopedia-Credit Card Overdraft