If your credit card is overdue due to imprisonment, you need to pay off your credit card debt when you come out. After paying off all the debts, ask the police station or prison and other relevant departments to give you a certificate, and then send this certificate to the bank to ask the other party to delete the overdue records. Because you are in prison, your credit card is overdue, which is definitely not intentional or malicious, but involuntary.

1, have a basic understanding. The banking financial system has a strong voice on credit cards and negotiates with banks.

Most credit card designs in China are beneficial to banks, which have the final say, but not to consumers, because the various terms of credit cards are written by the banks themselves, and consumers just need to sign the credit cards. In fact, many people don't know much about credit cards. In this case of disparity in status, it is difficult for consumers to sue banks because banks are in a strong position. It is normal to put forward your core demands and express your attitude when you leave prison.

2. Protect your legitimate rights and interests through legal channels, and find a job to prove your repayment ability and willingness after you get out of prison. When the bank refused to negotiate, it was still the overlord clause. At this time, you need to protect your legitimate rights and interests through legal means, and express that you are not actively defaulting, but objectively defaulting, and cannot effectively fulfill your repayment ability. Under normal circumstances, the court will make a favorable situation for the cardholder, especially because of imprisonment, which leads to overdue credit cards and unemployment as cardholders. People who are released from prison may have lost confidence in life. At this time, you need to actively find a job and prove your ability and sincerity to repay your credit card.