1. How to recover the overdue credit card

1. Pay off the arrears in time, take the initiative to explain the situation to the bank and keep the account status normal;

2. Never cancel your card because it is overdue, for it will lose the opportunity to repair your credit. After it is overdue, you should continue to use the credit card normally, spend more, repay it on time, and replace the overdue record with a new repayment record.

3. Don't lose contact after the deadline, and don't let the bank think that it is malicious overdraft and arrears, otherwise it may be sued by the bank.

second, will the credit card be detained if it is overdue?

whether the credit card will be detained if it is overdue, it is necessary to analyze whether the credit card overdue constitutes the crime of credit card fraud. Detention refers to detention and detention, as follows: 1. If the credit card is overdue to a certain amount, and it is not more than three months overdue, which constitutes the crime of credit card fraud, the public security organ may take criminal detention measures after filing a case for investigation. In this case, the credit card will be detained if it is overdue;

2. If the overdue credit card constitutes a civil dispute, it will be enforced if it is not returned within the time limit, but no detention measures will be taken. Whoever engages in credit card fraud, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan.

Third, what are the risks of handling credit cards?

The risk of handling credit cards mainly involves the repayment ability of users. Now many banks have launched high-end credit cards. Even though some cards can be exempted from annual fees through points, the consumption quota of users still needs to meet the relevant standards, so many people have to spend too much in order to get enough points, which leads to the occurrence of credit card overdraft.

Because credit cards can be paid in advance, many people have developed the habit of spending in advance and over-spending, and they have to face great repayment pressure when repaying. From the actual situation, in fact, many people are unable to repay because of over-spending, which has a series of consequences.

Fourth, does it affect the loan to buy a house?

It does have a certain impact on the loan to buy a house. For example, when you apply for a credit card, you need to check the user's credit, and the application records of multiple credit cards will also be seen. If the bank sees that the user has applied for multiple credit cards at the later stage of the loan, it may think that the user is short of money, thus questioning the user's repayment ability, so it may refuse the loan.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.