Generally speaking, the amount owed exceeds the cardholder’s ability to repay. The cardholder must be able to prove that he or she cannot repay the loan on time due to lack of financial strength. Good willingness to repay. It is best for cardholders to proactively communicate with the bank after the expiration date to ensure smooth communication. Give appropriate reasons. Explain in detail to the bank the reasons why you cannot repay on time.

Bank deposits are funds stored in banks and are a component of monetary funds. According to the provisions of my country's cash management system, every enterprise must open a deposit account with the central bank or a professional bank to handle deposits, withdrawals and transfer settlements. The enterprise's monetary funds, except for a small amount of cash that can be kept within the prescribed limit, are all It must be deposited in a bank. The company's bank deposits mainly include: settlement account deposits, letter of credit deposits, deposits from other places, etc. The cashier is responsible for handling the receipt and disbursement of bank deposits. For each bank deposit income and expenditure business, accounting vouchers must be prepared based on the original vouchers that have been verified to be correct. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals. Usually, the bank will judge whether to issue a credit card to the applicant based on the application materials and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .