1. How to eliminate overdue credit cards

1. Actively contact the online lending platform. If the cardholder pays off all the arrears in time when the overdue time is not long, then he can take the initiative to contact the bank to apply for deleting the overdue records to prevent the overdue records from being uploaded. 2. Issue a non-malicious overdue certificate. If it is the fault of the issuing bank that causes the overdue, you can ask the issuing bank to issue a non-malicious overdue certificate, and then apply to the central bank to eliminate the overdue record. 3. Wait for automatic elimination. If the cardholder's credit card is overdue for a long time, and the overdue record has been uploaded to the central bank's credit system, then he can only wait five years for the credit system to automatically eliminate the arrears

Second, can the overdue interest of the credit card be reduced

Under normal circumstances, the interest generated after the credit card is overdue cannot be reduced, but if it is due to special circumstances, the cardholder can apply to the bank for interest reduction. For example, if the credit card generates interest due to bank reasons, you can ask the bank to reduce interest. Also, if the cardholder is overdue due to irresistible factors such as serious illness, unemployment, bankruptcy, etc., he can take the initiative to explain the situation to the bank, and then submit information to prove that the bank will reduce interest after considering it at its discretion.

third, is it legal to be forced to deduct the overdue credit card?

Whether it is legal to be forced to deduct the overdue credit card depends on the specific situation. If the bank deducts money by itself, whether it is used to repay the arrears or for other purposes, it is illegal. Cardholders can complain to the bank headquarters or the China Banking Regulatory Commission, and if the complaint fails, they can also report to the public security organ. If the bank deducts money to repay the credit card debt according to the effective judgment or ruling of the court, it is a legal deduction. If the cardholder is not convinced, he can appeal or appeal to the people's court against the judgment or ruling. That's all about how to eliminate overdue credit cards and how to reduce overdue interest on credit cards. I hope it will help you.

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