1. What phone number should you call to negotiate for overdue Everbright credit card?

You can call the bank’s customer service hotline 95595 and transfer to manual. Tell your needs through manual channels, and then according to the Prepare relevant supporting materials according to the opinions of the manual customer service, and then repay the loan on time according to the repayment plan formulated by the bank.

1. Show a positive attitude towards repayment: If you want to negotiate with the bank and apply for an extension of the repayment period, installment repayment or suspension of interest payments, first of all, you cannot choose to ignore the debt after it is overdue, even if it is overdue. Now that it is impossible to pay off all the overdue debts at the moment, cardholders should be able to pay off a little bit, so that they can show their willingness to actively repay when negotiating with the bank later.

2. Explain clearly the reason for overdue payment: As long as you explain clearly the reason for overdue payment, such as failure to start a business or misappropriation for emergency use, etc., prepare sufficient information, and express your willingness to actively repay the loan, the bank will It will be considered based on the cardholder's situation. If the bank agrees, the cardholder can discuss a new repayment plan with the bank, and then repay according to the new repayment plan.

3. Ensure smooth communication: If the bank cannot contact us when our credit card is overdue, it will cause the misunderstanding that we are evading repayment.

2. Will there be any impact if the credit card is overdue?

Yes.

Penalty interest is generated. After a user uses a credit card to overdraft, if the credit card debt has not been repaid beyond the credit card grace period provided by the bank, the user will be deemed to be overdue. Once overdue behavior occurs, the bank will charge overdue interest to the credit card user, and the cardholder will All monthly fees will no longer enjoy the bank's interest-free treatment. Overdue interest will be charged at a daily interest rate of 0.05, and compound interest will be calculated on a monthly basis. The longer the user is overdue, the more overdue fees will be incurred.

Affect personal credit report. Once a credit card is overdue, the bank will upload the user's overdue record to the central bank's credit reporting system. If the personal credit report has overdue bad records, it will have a certain impact on later bank loans and credit card applications.

Demanded by the bank. After the credit card is overdue, the bank will use text messages and phone calls to collect payment from the cardholder. Various collections will affect the normal life of overdue credit card users. And if a credit card user is overdue for more than 3 months, the bank may also sue the cardholder.

3. What should you do if your credit card is overdue?

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

1 , it is best to continue to use this card

After the expiration date, the best way is to continue to use this card and cover the original negative record with a new normal repayment record, usually after 24 months. A new credit record will be generated so that personal credit, etc. will not be affected after the record is refreshed.

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.

If the credit card is overdue due to non-payment, the cardholder can take the initiative to contact the bank where the card was issued, proactively inform the bank of the personal situation, explain to the bank the reasons for repaying the debt, and apply to the bank for an extension of repayment. payment or deferment of repayment. After the due date, the cardholder must not evade and keep the phone open, otherwise the bank will consider the overdue card malicious.