Under normal circumstances, if a credit card is overdue, the minimum payment cannot be made, and the bank will require the balance to be paid off in full. Usually banks provide credit card customers with time-limited services, that is, there will be a grace period of about 3 days after the final payment date. As long as the debt is paid off in full or the minimum payment is made before the grace period, there will be no payment. Being considered as overdue repayment will not affect the personal credit record. If the repayment grace period is exceeded, the bank will not only charge interest at a daily interest rate of 0.05, but also charge late payment fees. At the same time, the overdue record will be uploaded to the credit reporting system.

The first situation is that if your credit card is overdue, it is not intentional, so there is no need to panic. First of all, most banks have repayment deadlines, which means that as long as you are Just pay off the overdue bills at the appropriate time, and the bank will not hold you unduly responsible. At the same time, you should also call the bank's customer service to avoid delaying the arrival of the account due to other problems, which will damage your reputation. question.

The second situation is that if you have exceeded the graceful repayment period, don’t worry. You can call the bank and tell the bank that you did not intentionally overdue the loan. First, show your sincerity. , after that, you need to repay in full, if you have not been overdue in the third case, if you have not only exceeded the grace time, but also communicated with the bank over the phone, but the bank just doesn't buy it, Then you can find some special reasons, such as not receiving a reminder note or a reminder call, so the bank will think that it has been negligent and will give you time to repay the loan.

Finally, if your negotiation with the bank is not very pleasant and you already have a history of overdue payments and it has also affected your personal credit report, don’t worry at this time. You should still use the card normally. After 24 After a few months, there will be no overdue record on your personal credit report. In fact, most banks don’t want to have a stain on the user’s credit report. Generally, banks will give you some time after the credit card is overdue, but it is best not to overdue it. Once the credit report is affected, the consequences will be serious. . If you record it, the bank will not record you as overdue.

Because you owe money, you have to pay it back first. Some people will break the jar and think that they are overdue, so they will not pay back the money and wait for the bank to call for payment. , in fact, the bank hopes that you can proactively repay the loan instead of urging you. When the bank really wants to urge you, it may be the most serious. The longer the overdue period, the greater the penalty interest. If it exceeds three months, you will be legally responsible. Be sure to note that

You don’t have to worry about overdue credit cards, but you are worried about not paying back the money. When an overdue record appears on your personal credit report, this bad record will follow you for five years. Yes, after a credit card is overdue, the first thing to do is to pay the full amount of the debt, which can reduce the impact of the overdue payment. If you encounter special circumstances, the bank will also consider it as appropriate, and perhaps there will be no overdue record on your personal credit report. .