If your credit card is overdue, it is not intentional, so there is no need to panic. First of all, most banks have repayment deadlines, which means that you only need to pay at the appropriate time. Just pay off the overdue bills, and the bank will not hold you unduly responsible. At the same time, you should also call the bank's customer service to avoid delays in the payment due to other problems, causing credit problems.

Second method, if you have exceeded the graceful repayment period, don’t worry. You can call the bank and tell the bank that you did not intentionally overdue the loan. First, show your sincerity. , after that, you need to repay in full. If you have no previous record of overdue repayment, the bank will not record you as overdue.

The third method is that if you have not only exceeded the grace period, but also communicated with the bank over the phone, but the bank just doesn’t buy it, then you can find some special reasons, such as not receiving it yet. There is no reminder call, so the bank will think that it is negligent and will give you time to repay.

Finally, if your negotiation with the bank is not very pleasant and you already have a history of overdue payments and it has also affected your personal credit report, don’t worry at this time. You should still use the card normally. After 24 After a few months, there will be no overdue record on your personal credit report.

If you are not sure about your credit report, you can find it on WeChat: get a credit report on mini program platforms such as Kuaikachai, check your overdue records, and understand your credit report in a timely manner to avoid I don’t know how to regret it even if my credit report is black. In fact, most banks don’t want to have a stain on the user’s credit report. Generally, banks will give you some time after the credit card is overdue, but it is best not to overdue it. Once the credit report is affected, the consequences will be serious. .