1. It's better to continue using this card. After the overdue period, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit and so on will not be affected after the record is refreshed.

2. Never run away. If it is overdue for a long time, the credit card will accrue interest and there will be a high late payment fee. If you run away, the bank will think that you are maliciously overdrawn and will call the police.

3. The inability to repay the loan needs to be explained in time. If you are unable to repay on time due to unemployment or illness, you can apply for delayed repayment and interest concessions before the deadline for repayment comes, stating your financial situation and stating that you are not maliciously in arrears.

4. It is best to repay in full and explain. If you forget to repay the loan due to your usual carelessness, you must repay it in full as soon as possible, preferably in full, because calling the bank after the full repayment shows that it is not a malicious debt request to eliminate the overdue record has the best chance of winning.

Precautions:

If the credit card overdraft limit is returned on time, once it is overdue, the interest and penalty interest will often be huge, even several times higher than the principal. Once the credit card is stopped, it should be cancelled in time, otherwise the annual fee will continue to be generated, which will lead to bad records in the personal credit information system.