Overdue credit card payments have nothing to do with cell phone shutdown. Cell phones will not be shut down due to overdue payments.

An overdue credit card is a breach of contract, and you need to bear the liability for breach of contract to make up for the principal and default interest. You have to turn off your phone before paying.

An expired credit card is a breach of contract. We should bear the responsibility for breach of contract, tarnish personal trust, which is not conducive to future bank loan business, and produce overdue records in the credit report. After the loan is successful, it should be repaid on time. Don’t miss your loan or delay your loan repayment, otherwise it will become overdue.

Consequences of late payment: Bearing high penalty interest; leading to legal disputes; leaving a "credit stain" in the national credit reporting system.

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1. The suggestions are as follows: It must be made up immediately and a part of the penalty interest must be paid. It is recommended to pay more so that bad records can be temporarily removed. If it is overdue for more than one month, the next repayment should be deposited into the monthly payment, two months at a time, plus the arrears interest for the previous month; if there is no delay in the future, the computer will eliminate the bad records after one year; repayment Extension, but not extension of the repayment period, will only leave a permanent bad record; remember to pay off the monthly repayment and the arrears interest of the previous period before the repayment period of the next month. According to relevant national regulations, credit records will be recorded for a long time. A bad credit record will stay with you for at least 5-7 years. According to the current credit report of the People's Bank of China, it will generally show your credit status within 5 years. Commercial banks and companies that process loans focus on your credit status over the past two years. The main reasons for a bad credit record are basically overdue calls or malicious overdrafts.

2. If there is an inadvertent delay due to a system error of the telecommunications company or due to forgetting to pay the monthly fee, when you need to use your credit report, you can apply for a certificate to offset the bad credit Record. In order to eliminate a bad credit record without a legal entity, this information is automatically removed from the credit report after a certain period of time. In order to eliminate bad credit records, it is necessary to maintain normal use in the future and stimulate monthly fees in time. A small amount of one or two yuan phone card arrears, and long-term phone card arrears will also cause arrears. So when it comes to stimulus charges, try to incentivize a few dollars more. As time goes by, as long as we are honest and trustworthy in future credit activities and pay on time, the old bad records will gradually be replaced by good positive records. After a fixed number of years, your previous bad credit history will no longer show up on your credit report. Then you can solve the bank credit problem. Credit is valuable. Watch your credit.