1. What should I do if my credit card is overdue for two years?

1. Actively negotiate with the bank for repayment, and make a repayment plan acceptable to both parties. Don't negotiate for the sake of negotiation. If the repayment amount exceeds my ability, it is easy to be overdue for the second time.

2. Provide evidence of temporary insolvency due to irresistible factors such as bankruptcy and sudden illness, including personal credit investigation, hospitalization certificate, no work certificate, etc., and prove to the bank that it is really difficult to pay off debts in one lump sum.

3. Make a repayment plan and inform the bank that it is impossible to repay in full at present, but the cardholder has the will and ability to repay in installments. It is best to provide proof of work income or income flow. Banks will not trust cardholders if they are unwilling to take action.

2. What will happen if the credit card is overdue for 2 years?

1. If it is overdue for 2 years, it will produce bad credit records, which will affect the cardholder's subsequent business in the bank, such as car loans and mortgage loans, and will also affect the cardholder's spouse's application for loan business in the bank;

2. overdue repayment will generate interest and liquidated damages. If the delay time is too long, it will generate high interest and late fees. The longer the delay time is, the more interest will be increased.

3. If it is overdue for more than half a year, the bank may bring a civil lawsuit to the court to demand compulsory repayment. If it refuses to repay, the court may auction the property under the cardholder's name.

4. If it is a malicious overdraft, and the overdue amount exceeds 5, yuan, then the bank will sentence the cardholder to malicious overdue, which may involve the crime of credit card fraud and need to be investigated for criminal responsibility.

3. Can I continue to use my credit card after two years overdue?

After two years overdue, even if I have paid off my debts, whether I can continue to use my credit card depends on the bank's decision, and it may not be possible to continue to use it. Usually, if the credit card is more than two years old, all consumption functions will be restricted. Cardholders can neither consume nor withdraw cash, but can only repay the arrears.

after the debt is settled, if the cardholder can apply with the bank to restore the credit card function, then the credit card can be used normally. However, if the bank rejects the cardholder's application for recovery, it can only re-apply for a credit card. And if you don't pay off the debt, even applying for a new credit card will be rejected by the bank.

if the credit card is overdue, the cardholder can take the initiative to contact the bank, truthfully explain his current situation, and show that he is unable to repay the arrears, hoping to negotiate with the bank to re-establish personalized repayment. You can also apply with the bank for deferred repayment or deferred repayment. If there is an overdue problem, the cardholder must not escape and solve it as soon as possible. Otherwise, after expectation, it will affect personal life.