because you owe money, first of all, you should pay back the money first. Some people will break the jar and think that they are overdue, so don't pay back the money. Wait for the bank to make a dunning. In fact, the bank prefers you to make a repayment actively, not to rush you. When the bank really wants to rush you, it may be the most serious. The longer the overdue time is.

You don't have to worry about the overdue credit card, but you don't pay back the money. When there is an overdue record on your personal credit report, this bad record will follow you for five years. After the credit card is overdue, the first thing to do is to make up the arrears in full, which can reduce the impact of overdue. If there are special circumstances, the bank will consider it as appropriate. Perhaps there will be no overdue record on your personal credit report.

Second, you must answer the phone of the bank.

After the credit card is overdue, many people are very scared. When they see the phone call from the bank, they think it is a big deal, so they don't answer the phone. In fact, this is wrong. You already owe the bank money, and the bank calls you, perhaps to ask about your situation. If you don't answer the phone, the bank will think you are. This point is still important, and everyone must remember it.

Third, continue to use the credit card and repay it on time

After the credit card is overdue, some people just want to be clever and even want to cancel it in order not to pay back the money, but do you think the bank will cancel it for you if you don't pay back the money? And if there are overdue records on personal credit information, it is necessary to keep them for five years. During this time, you need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue records.

In fact, the blacklist of credit cards can be avoided. As long as everyone has a regular physical examination through the "Card Youcha" in WeChat, then they use their cards in compliance and maintain good habits of using them, they may not be blacklisted and will not bring too many negative effects.