1. How to deal with bad credit card cancellation?

1. General bad debts

Pay off the money in time (not more or less), and then close the account. After closing the account, users will find that some banks will update it soon, and even classify the user's account into an overdue account.

2. Overpayment bad debts

Withdraw the overpayment and cancel the account. Bad debts refer to the accounts receivable that have passed the repayment period, can not be recovered after being urged, and are in a sluggish state for a long time, which may become bad debts.

bad debts are the result of failure to settle accounts in time, and also refer to the property that cannot be collected because the other party does not return it. Bad debts after credit card cancellation are dead accounts. If you want to continue to use the credit card after account cancellation, you can try to cancel the account. After closing the account, the arrears in the credit card account will be deducted from the bad debts to the new card number. If you want to continue to use your credit card after closing your account, you need to wait five years before you can officially close your account.

second, how to pay back the money if the credit card is cancelled after the deadline?

if the customer wants to pay back the money after the overdue cancellation of the credit card, the customer can first transfer the money in his savings card to the credit card through the online banking or mobile banking client (generally, just provide the card number when operating).

if it is impossible to transfer money in, and the system also shows that the card number does not exist or the account has been cancelled, the customer can only bring his personal ID card and card to the bank branch near his residence and ask the staff at the counter for repayment.

customers can also choose to call the bank's service hotline directly, and turn the "" key to connect the manual service channel to consult the customer service staff, so that the other party can help provide a new repayment channel. If the customer has signed an automatic repayment agreement when applying for a credit card before, the customer can also directly pay back the money into the bound repayment bank card, and the system will automatically deduct money from it to repay the arrears.

As the card has been cancelled, it is estimated that it is difficult to recover it after it is returned. As for the credit damaged due to overdue, it is difficult to repair it quickly in a short time. Therefore, customers had better develop the good habit of repaying on time and try to avoid overdue.

to cancel a credit card, you need to repay all the debts. If you can't pay off the debts for a while, you can communicate with the issuing bank, explain the cardholder's actual situation to the bank, and re-establish a repayment agreement. If the negotiation fails, the cardholder can change the billing date of the credit card and change the repayment time. Those who deliberately owe the credit card will face litigation risks.