1. What should I do if the credit card debt is 654.38+0.3 million?

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 liquidated damages and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks do this, which can not only ease the repayment pressure, but also will not affect the credit.

3. Change the bill 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. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

Second, how to deal with the credit card money before going to the bank?

1, collection

According to the different overdue time, the collection methods are different.

If it is overdue for 7~5 days, the bank customer service will send a short message to collect it; If it is overdue for more than 30 days and less than 90 days, bank customers will call to collect it; If it is overdue for more than 90 days, the bank may send someone to collect it; If the overdue time exceeds half a year, the bank can also outsource the collection to a third-party company, and the third-party collection company will collect the collection.

2. Report to the Central Bank

As long as it is not overdue, the bank will report the overdue behavior to the central bank's credit information system at the same time. However, it will not be reported immediately after the deadline. Many banks report monthly. 100% will report if there is no minimum payment after the next bill.

Step 3 file an appeal

If the credit card is overdue for more than 3 months and has been effectively collected by the bank for 2 times, but it has not been repaid, it is considered as a malicious overdraft credit card. If the amount exceeds 50 thousand yuan, then the bank will go to court to sue, and the consequence is very serious.

After the credit card is used, if it is not repaid on time, the bank will collect it and then report the overdue record to the credit information system. If it is overdue for a long time or the overdue amount is large, the bank has the right to directly sue the court and demand credit card repayment. Therefore, when the credit card cannot repay, you can communicate with the bank to negotiate repayment in time.