1. Can I repay my credit card after it is overdue for half a year?

I can still repay my credit card after it is overdue for half a year, as long as the bank does not report it to the central bank’s credit reporting system. You can apply for deferment of repayment. However, many banks will have a repayment grace period. You can repay within 3 days after the last payment date, and do not wait until the grace period to repay. Overdue payment does not count as overdue. As long as you plan to repay before the repayment grace period, remember to repay on time and don't overdue, as overdue will have an impact on your personal credit.

2. How to negotiate with the bank to solve the overdue credit card

1. Take the initiative to negotiate with the bank for "personalized installment" or "secondary installment business", and reach an agreement through friendly negotiation. The maximum 60 installments, interest-free installments, but always overdue.

2. To negotiate repayment, you must have basic financial knowledge, basic legal knowledge, certain negotiation skills, and perseverance. You should contact the official customer service of the bank more often. If you contact the bank many times, you will be referred to the bank. For debt collection, you can call the China Banking Regulatory Commission to complain.

3. There is one condition for negotiating repayment: the amount owed exceeds the cardholder’s ability to repay. If it is really very difficult, there is an urgent need to negotiate repayment and provide proof of poverty. If it is really difficult and cannot be issued, negotiate amicably with the bank and provide other proofs, and the bank will agree. The key lies in process, attitude and facts.

3. How long does it take to restore credit after a credit card is overdue?

1. Overdue credit card due to no fault of your own.

If our credit card overdue record is overdue due to reasons other than our own, then we can lodge an objection appeal with the Credit Reference Center of the People's Bank of China. After the appeal is successful, our credit can be restored. In this case, the time to restore credit reference Shortest. For example, an overdue payment caused by a delay in the bank system's payment, or an overdue credit card applied for under a false name, etc., are considered overdue due to reasons not caused by the person, and the cardholder can lodge an objection appeal to the credit reference center.

2. Overdue due to personal reasons.

If the overdue record is due to personal reasons, then according to the credit management regulations, the overdue record will be retained for five years from the date when the user only handles the adverse event, and the bad record should be deleted after five years. . That is to say, after a credit card becomes overdue and the cardholder has paid off all the overdue balances on the credit card, it will take five years for the credit report to be restored. During these five years, the cardholder must not show up again. Overdue behavior.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.