as we all know, if the credit card is overdue, it will produce bad records, and the interest will get bigger and bigger, so we need to deal with it in time. Otherwise, we will encounter a lot of troubles in handling credit business in the future, and even the loan will be refused directly. However, some people have encountered the problem that the transfer repayment has not been made. This is because the credit card has been overdue for too long and has become a waste card!

so, what should I do if my credit card becomes invalid after it is overdue? Let's take a look.

in fact, there are more than one reason why credit cards become invalid.

For example:

Of course, these problems are handled in different ways.

if the card becomes invalid due to the above two reasons, it actually has no effect on repayment. Although the card cannot be used, as long as you remember the card number of the credit card, you can transfer the payment through mobile banking or other channels.

however, if the card number is cancelled by the bank, when the card number is entered for transfer repayment, it will be prompted that it is invalid, so that the money will not be put in at all, and this situation will have to be handled at the bank outlet.

At the same time, you should also pay attention to the local bank outlets where you apply for a card, because credit cards are limited by region, and each branch will only be responsible for the business within its jurisdiction. You need to bring your valid ID card (temporary id card or expired), as well as the mobile phone number reserved when you apply for a card, and the credit card. You can't operate the ATM machine when you go to the outlets to get the number and ask the counter staff to repay it manually.

On the other hand, everyone can rest assured that even if the credit card becomes invalid after the deadline, the cardholder can't find the credit card information in the mobile banking or App, but it will still be archived in the internal system of the bank, so just go to the bank and repay the teller with cash, and then the arrears will be settled.

however, in this case, it is impossible to resume using the card after paying off the arrears. When the credit information is updated, the balance of the arrears will become , and the status will be overdue, and it will take 5 years to be eliminated.