1. Overdue frozen credit cards must be repaid in full. If the overdue situation is not serious, as long as the credit card center confirms that the cardholder's debt has been paid off, the bank customer service will handle the unfreezing process for the cardholder.

2. In addition, don’t cancel your credit card just because the credit card has been frozen, because the central bank has clearly stipulated that the maximum retention period for bad credit records is 5 years, and the personal credit report will show the last 24 months. Credit record, if the account is closed, this information will stop updating. Continue to use the card and maintain a good credit record, and the previous record will no longer be affected.

1. How to negotiate with the bank to resolve an overdue credit card

You need to call the bank’s customer service staff in time, take the initiative to negotiate repayment with the bank, express your willingness to repay, and explain your inability The reason for repayment is pending bank approval. If the bank does not accept negotiated repayment, the debtor can only pay off the debt in one lump sum. If your credit card is overdue for a long time, the bank will usually take the initiative to negotiate with you, but it is best not to wait for the bank to take the initiative, because the interest will keep increasing if it is overdue.

Second, if the credit card is overdue, will a credit report be reported?

A credit report will be reported if the credit card is overdue, but it may not necessarily be a credit report if it is one day overdue. Under normal circumstances, how long it takes to report an overdue credit card is mainly determined by the time tolerance given by the card-issuing bank. If the cardholder repays the payment within the time tolerance specified by the card-issuing bank, it will not be considered overdue. Cardholders need to pay attention to this part of the regulations when making repayment.

If the issuing bank has a 3-day grace period, it is safe as long as the credit card is overdue within 3 days of the repayment date. If the credit card is overdue for more than 3 days, a credit report will be filed and it will affect your personal credit record. . If the cardholder has insufficient repayment in the current period and the unpaid portion of the account after the due payment date is less than or equal to a certain amount, the cardholder shall be deemed to have repaid the amount in full.

3. What is a malicious overdraft?

A malicious overdraft means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and the card-issuing bank still refuses to pay the bill after collection. The act of returning.