After the credit card of ABC is overdue, you can negotiate with ABC to lower the interest rate. Under normal circumstances, if the credit card is overdue, as long as it is not maliciously defaulted, you can negotiate with the bank to reduce the interest rate. If the cardholder finds that the credit card of ABC is overdue, he should contact ABC as soon as possible, explain the objective facts and reasons of overdue to the bank staff, discuss the repayment plan with the bank, and then negotiate to reduce the interest rate.

Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.