;?Late repayment is a big taboo when using credit cards, but if one day you suddenly remember that you forgot to repay this month, it exceeds the repayment date, and there is real difficulty in capital turnover, wages have not been paid, you owe What should I do if the payment cannot be made temporarily? Teach you a few ways to remedy it.

Method 1: Apply for time tolerance for repayment. Considering that there are inevitably one or two careless cardholders among cardholders, major banks provide "time tolerance" services for credit cards. If cardholders are only one or two days overdue, they can immediately call customer service to apply for the "temporary" service, and then pay back the balance immediately. According to the "time-tolerant" service regulations, if there are special circumstances, the cardholder's repayment within three days of the latest repayment date can be counted as on-time repayment, and there is no need to record overdue payments in the personal credit record.

Method 2: Submit the "Non-Malicious Overdue Certificate" in a timely manner. If you accidentally exceed the grace time of the "Tolerance" service, after repayment, you should promptly submit a "Non-Malicious Overdue Certificate" , apply to the bank to cancel the overdue record. The records in the central bank's credit information system are updated once a month, and the data are summarized by each bank and then reported to the database. Therefore, if the cardholder can cancel the record before the bank reports it, it can also ensure that the personal record is good.

Method 3: Keep using the card well. If the above two methods do not work and bad records have been formed and appear in the personal credit report, the cardholder must not cancel the card after repayment. You should continue to use the card, ensure a certain frequency of consumption and repay the loan in full and on time.