1. What should I do if I can't get the credit card for mortgage?

If I can't apply for a mortgage until I get the credit card, I need to repay my credit card first, and I can't repay my credit card temporarily, I can handle it in the following ways:

1. Use the minimum repayment function.

Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.

2. Use the staging function.

If there is repayment pressure, you can directly apply for bill installment. Generally, banks provide the function of installment 3, 6, 9, 12, 18 and 24, and you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit.

3. Change the billing date to extend the repayment period.

The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Take the initiative to negotiate with the bank.

if it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there is a reason, and discuss whether you can delay the repayment.

2. What will happen if the credit card is overdue?

1. There will be a penalty interest.

the calculation method of overdue penalty interest of bank of communications credit card is: each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing date is from the account income date to the repayment date, and the interest rate is .5% of the daily interest rate.

2. Affect personal credit.

if the user has overdue behavior in the process of using the bank of communications credit card, the bank of communications will truthfully upload the cardholder's overdue record to the central bank's credit information system. Once there is a bad overdue record of personal credit information, it will affect the subsequent processing of bank credit business.

3. Take legal responsibility.

if the overdue amount of the user is large and the overdue time is long, Bank of Communications can also sue the overdue user for malicious overdraft. If the repayment is overdue for more than 3 months after being urged by the bank twice, once it is judged as malicious overdraft, it may also bear criminal responsibility for overdue credit cards.

if the credit card is not paid, the cardholder can contact the card-issuing bank actively, tell the bank his personal situation truthfully, explain the reasons why he can't repay, and apply to the bank for an extension or delay in repayment. Cardholders can also apply for the minimum repayment function of credit cards, and pay the minimum repayment amount first, so that personal credit records will not be affected.