If you want to reduce the interest after the credit card is overdue, you can apply to the issuing bank to stop payment. If the application is successful, the arrears will no longer generate interest and will naturally decrease. However, it should be noted that the interest generated by the previous arrears will not be exempted, and it is better to put it on the bill together with the principal. The customer needs to pay it off on time. And even if the customer directly applies for interest-free, the bank will probably not agree.

If the customer fails to pay for a while, he can try to extend the repayment period and repay the arrears in installments while applying for suspension of interest payment. In this regard, the bank will consider it as appropriate. As long as the customer does not intentionally repay, but does not have the repayment ability, the bank may agree, and then the customer can repay in installments according to the repayment plan newly negotiated with the bank. Of course, it is best for customers to avoid overdue situations and develop a good habit of repaying on time. If you find that you can't pay off the bill in full, you can actually apply for the bill installment before the repayment date, or pay back the minimum repayment amount of the bill first.

There is a chance to get credit card debt relief, but only if you really want to repay and take practical actions. The specific amount of relief depends on everyone's situation.

Serious consequences of overdue credit cards:

1, resulting in overdue interest and late fees;

2. Bad credit record;

3. Banks will collect money and may face criminal problems.

Credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.