In the process of using credit cards, repayment is a very important thing. If you forget to make repayment and it is overdue, it is not just a matter of penalty interest. The most important thing is to record such a sum on the credit report, which will affect future card applications and loans. However, in real life, there are not a few people whose credit cards are overdue, and most of them are unintentional reasons. What are the common reasons if you can't negotiate with customer service? Let's take a look together. 1. If the credit card repayment fails due to the bank's reasons, this record can be revoked. Common banking problems include: settlement errors in the banking system, delay in bank transfer transactions, failure of the bank to issue credit card bills, failure to deduct fees for signing up for automatic repayment, or failure to see bills due to operator problems.

2. In addition to its own reasons, there are also some external force majeure factors that cause the repayment failure, which can also be omitted from the credit information, such as temporarily going abroad, damaged network equipment, communication interruption and other force majeure factors that make it impossible to repay on time.

3. Be sensible with emotion, and be sensible with emotion. The main reason is that you can explain why you are overdue from objective factors, rather than your subjective unwillingness to repay. The reason can be that you are injured, your mobile phone is lost and other unexpected circumstances.

4. when negotiating with customer service, you can first explain the objective reasons why you have not repaid on time, and then express your good willingness to repay, and lure them to benefit, such as being willing to handle the installment and paying penalty interest. After all, banks are profit-making institutions, and they will not cling to unintentional losses. All of the above points can be used for the reason of short-term overdue credit card and customer service negotiation, but the prerequisite is that your previous bills have not been overdue, and this overdue is purely accidental.