1. How to deal with the overdue deduction of the credit card

1. The automatic repayment of the credit card is generally set by the cardholder himself. When the savings card and the credit card are tied together, the bank will naturally deduct the money automatically after it is overdue. Therefore, either cancel the binding and bring documents and other materials to the bank for business. Either change the card, or the original bound card no longer saves money.

2. But actually, it's not a bad thing to be deducted by seconds. After all, the arrears are supposed to be repaid, and the money has been delayed. Even if you don't want to take the initiative to repay, try not to be overdue for too long. When there is no money to deduct from the card, you will eventually have to pay for the behavior yourself.

Second, the consequences of overdue credit cards

1. Within the 2-3-day repayment grace period set by the bank, this short overdue period has no effect. In the first 1-3 months, the debtor will continue to receive calls from the bank for collection. If it has not been effective, it will inevitably be blacked out by the bank, that is, when the credit card is overdue for more than three months, it will be reported.

2. In addition, after the credit card under the name is blacked out by the bank, all credit services that need to go through the bank, such as mortgage and car loan, cannot be processed. If you reach the prosecution point of the bank after three months of default with interest, you will be summoned by the court. If you meet the "malicious overdraft" behavior and have no repayment ability, you will have to sit in prison for several years.

3. How to restore the credit when the credit card is overdue

1. If the overdue time is short, you just need to pay off the money as soon as possible and call the bank customer service to explain the reasons for the overdue. If there is credit card theft, provide relevant vouchers to the issuing bank, and the credit will be restored after being approved and stamped.

2. There is basically room for repayment within 9 days, as long as you actively communicate and negotiate with the bank to show your positive willingness to repay and the reasons for overdue. If it is dragged into the blacklist of credit information by the bank, you can only choose to pay off the money and wait for the system to automatically resume credit information after five years.

if your credit card is deducted in seconds after the deadline, you can unbind it, and bring documents and other materials to the bank to handle business. Either change the card, or the original bound card no longer saves money.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.