When using a credit card normally, there are no handling fees and interest. However, if the payment is made in installments, the minimum payment, or if the payment is overdue, interest will accrue. So, can the overdue interest on Postal Bank credit cards be reduced or exempted? Let’s learn more below.

Can Postal Bank credit card overdue interest be reduced or reduced?

No, there is no way and cannot be reduced or reduced after the Postal Bank credit card interest accrues. It is best for cardholders to ensure that every payment is All are paid off on time and no cash is withdrawn, so as to avoid the occurrence of interest. If the interest on the credit card has already accrued, the cardholder needs to pay it off on time, otherwise it will be considered an overdue repayment.

How to restore the credit report of an overdue credit card?

1. Pay off the loan immediately

Once it is discovered that an individual has overdue repayment, the user needs to pay off the loan immediately. After that, contact the customer service of the bank and inform the customer service that the individual has maliciously overdue, and has repaid the loan, and asks the bank not to record the individual's overdue record on the credit report, and to ensure that the loan will be repaid on time in the future. As long as the user is overdue for the first time, generally The bank will allow the user's repayment application;

2. Appeal can be made

If the user does not default maliciously, but finds that the individual is overdue, the bank has reported the individual's credit overdue record If the personal credit report has been canceled, the user can contact the bank immediately to explain the situation. After the bank recognizes the user's reasons, he or she can apply for cancellation of the personal credit report and appeal to the People's Bank of China Credit Information Center. As long as the bank's supporting documents are available when making the appeal, Generally, the appeal can be successful;

3. Use the bank's time tolerance

The bank has a buffer period, so the user must understand the actual expiration date of the personal credit card and the final repayment period. Make sure you don’t submit the payment to the credit report within the time limit.