If the credit card is overdue, the user should repay the card issuer in time. Credit card overdue repayment methods are as follows:
1, within the issuer: including the issuer's counter, ATM, online banking, automatic transfer, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Transfer and remittance repayment: mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
3. Online repayment: Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
4. Convenience store repayment: This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
5. Counter repayment: Counter refers to the current RMB deposit and withdrawal transactions of bank cards issued by various networked financial institutions through counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
6. Payment by Xinfutong: Xinfutong smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
7. Take the initiative to contact the bank to negotiate repayment. Early know, the bank is very cold, if the user has credit card arrears, the bank will not take the initiative to negotiate with the user, but will only remind the repayment by SMS or phone, so if the user wants to negotiate repayment, he must take the initiative to attack, and it is better to negotiate before the deadline, which is easier to succeed.
8. Be sincere and show that you are willing to repay. When negotiating repayment, you must tell the bank that you are not maliciously overdrawn, and explain your current economic situation to the bank, saying that you can't repay in full and on time at present, but you have work income, and you will try your best to raise money for repayment to see if you can negotiate a repayment plan acceptable to both parties.
9. Keep relevant evidence at any time. Whether it is negotiating with the bank for repayment or being violently collected, relevant evidence should be kept and then fed back to the bank. It is said that the success rate of this negotiation will be higher, but only if users always maintain a civilized and friendly attitude.
Credit card overdue negotiation mainly has the above points. In addition, everyone should be careful not to evade the collection, and the collection phone must be answered. If the other party's collection method is too radical, then users can keep the evidence by audio or video recording and safeguard their rights and interests through legal means. And no matter how the collection staff handles it, don't give money directly to the other party, because there is no guarantee that the money will be handed over to the bank.
Remind everyone again that colleagues who are negotiating with the bank should insist on monthly repayment if their credit cards are overdue, even if they can't pay them off in full.