Because all credit cards have a billing date, if overdue repayment will cause liquidated damages and late fees, it is best to communicate with the bank seriously and explain the situation, hoping that the bank will agree to stop paying the principal.
When communicating with the bank, you need to explain the sentences clearly. If it is life imprisonment, the bank can't wait for the user for a lifetime. If it is short-term imprisonment, you can negotiate with the bank, hoping to stop calculating credit card interest and give users a reasonable grace period to repay the principal in installments. This time is calculated from the time after you get out of prison, because there is no income at all in prison, let alone repayment.
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It is the most worry-free and labor-saving way to bind the bank savings card or salary card with the credit card, and automatically transfer the repayment every month, which effectively avoids the overdue due to time error and communication information change.
In addition to third-party platforms, mobile banking of various banks can also easily complete the repayment steps, and credit card repayment only needs to move your finger. Especially convenient.
If you have two credit cards, you can separate the billing date and use the card farthest from the billing date to enjoy a longer interest-free period. In addition, most credit cards have the function of modifying the bill date. It is recommended to find the bank customer service to find out the number of card modifications.
People's Daily Online-Credit card malicious overdraft was sentenced to 3 years, and more than 690 credit card owners were sentenced.