First, the credit card is overdue
1. If it is found overdue, you must repay it as soon as possible, preferably in full, and call the bank credit card center to declare that it is not malicious.
2. When the credit card cannot be repaid due to overdue reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment.
3. If the cardholder can't pay off the loan, he will take the initiative to apply for deferred repayment. Because of the delay of more than one year, the bank will basically agree to postpone the repayment, and then the bank and the cardholder will agree on a mutually acceptable repayment plan.
The overdue credit card of 44,000 yuan has been affected for more than one year, resulting in a lot of overdue interest and late payment fees. You can explain the reasons for overdue to the bank and try to reduce interest and late fees.
Second, the lawyer's letter
The lawyer's letter is issued by a practicing lawyer of the law firm. A lawyer's letter usually uses a letter from a law firm with the address of the law firm on it. The lawyer's letter has no legal effect, and the next step can be determined according to the specific circumstances of the case. If the relationship between creditor's rights and debts is clear and there is no dispute between users, they may apply to the court for a payment order. If it is more complicated, file a civil lawsuit directly with the court with jurisdiction. If there is a contractual relationship, an arbitration clause or an agreement, you should apply to an arbitration institution for arbitration.
To sum up, although it is overdue as long as there is no repayment on the repayment date, banks will not upload credit information as soon as it is overdue. Most banks will have time tolerance service, for example, three days after the repayment date, as long as it does not exceed the time tolerance service, there will be no major problems.