1. What should you do if your credit card is overdue for 10 years?

After the overdue date, you should proactively contact the bank as soon as possible and submit materials proving your insufficient repayment ability. Finally, express your willingness to repay. If the user has a good attitude and is indeed overdue due to special reasons and is subsequently unable to repay the loan, the bank will consider agreeing to the user's negotiated repayment request as appropriate.

2. Solutions to overdue credit cards and no money to pay back

1. Use the delayed service provided by the bank:

If the funds are only one or two days short of If you can repay it, you can take advantage of the bank's deferred repayment service. Banks generally have a 1-3 day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Apply for credit card installment or minimum repayment:

If you can’t get a credit card in the short term, you can consider applying for credit card installment or repaying the minimum repayment. Although these two methods You have to pay a certain amount of interest to the bank, but you also avoid bad credit records caused by overdue payments.

3. Effectively change the billing date:

If you predict that a certain bill may not be paid by then, you can apply to the bank to change the billing date before the bill comes out, with a view to extending the date. Repayment period. Of course, the statement date cannot be changed simply by changing it. You need to consult the bank to confirm the specific situation.

4. Ask friends or family members to borrow money for turnover:

Ask friends or family members for turnover. Borrow some money to pay off the credit card first, and then pay it back when you have sufficient funds.

3. What are the manifestations of credit card fraud?

The specific manifestations are the following behaviors:

1. Counterfeiting of credit cards

The so-called Counterfeit credit cards refer to credit cards that are manufactured to imitate the texture, pattern, section, pattern, and magnetic stripe password of a credit card.

2. Use of invalidated credit cards

Expired credit cards refer to expired credit cards, invalid credit cards, credit cards that have been declared invalid according to law and which cannot be used according to laws and relevant regulations. Credit cards that the cardholder stops using midway through the validity period and returns them to the issuing bank, as well as credit cards that are invalid due to reported loss.

3. Fraudulent use of other people’s credit cards

Fraudulent use refers to the behavior of a non-cardholder using the cardholder’s credit card in the name of the cardholder to defraud property.

4. Malicious overdraft

Overdraft means that when a customer who has an account with a bank has no funds or insufficient funds in the account, the customer is allowed to pay more than his account with the approval of the bank. The act of spending money up to the limit of funds.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.