Generally, when a credit card is overdue, the bank will collect the debt through various methods such as letters, text messages, emails, phone calls, etc. However, if the debtor changes his mobile phone number and cannot be contacted, the non-repayment record will not be eliminated, and the personal credit report will have a bad record, and the loan will inevitably be affected.

If you really encounter an overdue credit card, it is recommended to use the following four methods to remedy the situation:

1. It is best to continue to use this card

Overdue Finally, the best way is to continue to use this card and cover the original negative record with a new normal repayment record. Generally, a new credit record will be generated after 24 months. In this way, personal credit, etc. will not be affected after the record is refreshed. will be affected.

2. Don’t run away.

If you are overdue for a long time, your credit card will charge compound interest and there will be high late payment fees. If you run away, the bank will think that you are maliciously overdrafting and will call the police.

3. Inability to repay must be explained in time

If you are unable to repay on time due to unemployment or illness, state your financial situation before the final repayment deadline and declare that you are not malicious If you owe money, you can apply for delayed repayment and interest discounts.

4. It is best to repay in full and explain

If you forget to repay due to usual carelessness, and you find that it is overdue, you must repay in full as soon as possible, preferably in full. , because after full repayment, you have the best chance of winning if you call the bank to explain that the debt is not malicious and request to eliminate the overdue record.