Generally speaking, if loans overdue lasts more than 90 days, banks can classify loans as non-performing assets before they can negotiate to stop payment. Therefore, if your credit card is overdue for more than 90 days, you can negotiate repayment with the bank. The bank is also worried that you will not pay back the money you owe. It is better to get it back from you in stages to reduce losses.

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. But at that time, the card could only be used for short-term commercial credit, and the money still had to be paid on demand.