If your credit card is overdue for more than three months, you can negotiate for repayment. As for whether the negotiation can be successful, it shall be subject to the regulations of the issuing bank. If the credit card is overdue and cannot be returned due to some special reasons, the user can submit a repayment negotiation application to the card issuing bank. Credit card holders should negotiate with the bank for repayment after 3 months of overdue payment and cannot ignore it.

What to do if the credit card is overdue for 3 months

1. If the credit card holder is overdue for more than three months, the cardholder can first pay off part of the outstanding balance and then contact the card issuer The bank informed it of its strong intention to repay the loan.

2. Inform the card-issuing bank that your repayment ability is limited and you hope to negotiate repayment.

3. In most cases, if the bank agrees to suspend the interest installment, it will not agree to reduce or reduce the overdue interest and penalty interest. Cardholders can choose a method that suits them to handle the repayment business.

How to restore your credit report after an overdue credit card

1. Pay off the debt in one go, and then call the card-issuing bank to explain the situation and the reason for the three-month overdue payment. If you have a good repayment record, and the overdue payment is indeed not caused by subjective reasons, see if you can eliminate the overdue credit record.

2. If the record cannot be revoked, it is recommended that the cardholder keep good consumption records and repayment records, and after 24 months, overwrite the original overdue records with new records. Generally, the bank will review During the credit investigation, only records from the past two years will be downloaded, so it won’t have much impact.

3. Bad records will generally be retained in the personal credit system for 5 years. After 5 years, this overdue bad record will be naturally eliminated, and no bad records can be generated during this period, otherwise it will be Will start from scratch.

The above is an introduction to what to do if your credit card is overdue for 3 months. Bad records are usually kept in the personal credit system for 5 years. After 5 years, this overdue bad record will be naturally eliminated. During this period, no bad records can be generated, otherwise the calculation will start from scratch.