If the cardholder's credit card is overdue due to unemployment, serious illness, disability and other reasons. And it is confirmed that the financial difficulties caused the overdue, then it is possible to negotiate repayment with the bank and ask the bank to reduce the overdue fine and interest. For no special reason, it is difficult for users to negotiate repayment. At this time, overdue fines and interest cannot be reduced. Therefore, unless there are special circumstances, the user must pay the overdue penalty and interest of the credit card according to the contract.

Precautions for credit card use

When applying for a credit card, the bank will check the applicant's credit information. Generally speaking, whether it is approved or not, there will be one more inquiry record in the credit report of the People's Bank of China. After the approval is successful, one, two (adding foreign currency cards) or even a dozen (adding ICBC foreign currency cards) credit card accounts will be added to the credit transaction details. These details will be with you all your life.

Don't try credit card bill installment easily: bill installment refers to repaying the amount of consumption to the bank in installments. General banks provide 3-24 installments of bills, and the maximum amount is 90% of the bill. Banks will charge interest (some banks will reduce it) and handling fees for this business. Secondly, because the credit card quota is fixed and the bill is in stages, it will reduce the flexible utilization quota and affect the next consumption.

Refer to the above? Baidu Encyclopedia-Credit Card, People's Network-In the future, the refund of credit card bills is not considered as repayment, and you can apply for exemption if you default interest.