1. What should I do if my overdue credit card is cancelled?

the cancellation of overdue credit cards can be handled through negotiation with the bank.

1. In the new version of credit reporting, any overdue records must be recorded for at least five years.

2. After the cardholder's credit card is overdue, although he has paid off the arrears and cancelled the credit card, if the time is still short, it will not be eliminated in the credit report.

3. It will take five years for the cardholder to pay off the debt, and the overdue credit record will be automatically eliminated by the system.

4. It should be noted that after the cardholder cancels the credit card, the credit card will show "cancelled" on the credit information, and the previous overdue records will be fixed there. If the cardholder wants to apply for some credit business in the bank, it may be affected by the record.

5. Therefore, it is suggested that cardholders should not cancel their credit cards immediately after repayment, but should recycle them for more than 3 months so that a good repayment record can be rolled up.

2. How to cancel a credit card account

1. Cancel the account by calling the bank.

2. Basically, ordinary credit cards can be cancelled by phone.

3. Cancel the bank counter, and pay attention to carrying important items such as ID cards and credit cards.

3. What's the difference between credit card cancellation and card cancellation?

1. The concept of card cancellation is different

Credit card cancellation is divided into single card cancellation and whole household cancellation. Cancellation of a single card means cancellation of a credit card under the cardholder's name; The cancellation of the whole household is the cancellation of the account, which means the cancellation of the cardholder's entire account, and all the cards of a bank under his name will be cancelled.

2. The requirements before cancellation are different.

You must pay off all the debts before canceling the account, and the cardholder chooses to cancel the card when there are other cards in use in a bank, so the debts do not need to meet this condition.

3. The effective time is different

In order to ensure that the account of the cardholder is not in arrears when closing the account, the application for closing the account generally takes effect after 45 days, while the card cancellation takes effect immediately after the application.

4. The treatment of applying for a card again is very different

If you only cancel the card, you will not be able to enjoy the treatment and preferential treatment of new customers if you apply for a credit card from the same bank next time, and the cancellation of the account can avoid this problem.

if the credit card is not returned within the time limit, it is necessary to bear certain legal consequences according to the agreement of both parties, such as interest on overdue repayment and liquidated damages. Of course, some credit cards have been cancelled after a long overdue period, so at this time, it is necessary to actively negotiate with the bank to deal with it. It is definitely necessary to repay first and then eliminate the overdue records.