If a credit card is overdue in daily life, the correct way to deal with it is to maintain good communication with the bank, show that you have a strong willingness to repay, and inform the bank of your actual situation. At the same time, we must work hard to make money and raise funds to reassure banks and avoid losing contact. Here are three ways to solve overdue credit cards.

1. It is best to continue to use this card

After the expiration date, the best way is to continue to use this card and cover the original negative repayment record with a new normal repayment record. Records, generally a new credit record will be generated after 24 months, so personal credit, etc. will not be affected after the record is refreshed.

2. Apply for delayed repayment

If you are unable to repay on time due to unemployment or illness, before the final repayment deadline arrives, explain your financial situation to the bank and state that you are not If you owe money maliciously, you can apply for delayed repayment and interest discounts.

3. Timely and full repayment

If you forget to repay due to your usual carelessness, and you find that it is overdue, you must repay it in full as soon as possible, preferably in full, because After paying in full, call the bank to explain that the debt is not malicious and request to eliminate the overdue record, which has the best chance of winning.

Take me as an example. In 2018, due to investment failure, capital turnover was limited. When my credit card was overdue for 2 days, China Everbright Bank called me and asked me how to solve the overdue credit card.

The total debt owed at that time was more than 30,000 yuan. I replied that I would like to apply for suspension of interest rate and installment repayment. They readily said that it can be divided into 33 installments, but you need to pay an installment fee of 167 yuan for each installment, and there is no reduction or exemption.

Or there is a reduction or exemption, all overdue penalties and interest are waived, and only the principal is repaid, but it must be repaid in one go. Only one of the two policies can be chosen.

Later, I chose to repay the loan in 33 installments without escaping. After finally paying off the debt, I did not submit a credit report.

In summary, repay the loan monthly according to the installment plan formulated by the bank. Note that you must repay the first few installments on time.

Cheer up, work hard again, and make money to pay off your debts. At this time, you need to adjust your mentality and always remind yourself that there are overdue debts, but this is not a shameful thing. Wherever you go, keep your head up and keep moving forward with confidence.