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

If a credit card holder fails to repay an overdraft after the due date, the problem can be solved in the following ways:

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1. Borrow money from relatives and friends to temporarily fill the gap.

If it is just a temporary situation, you will have enough funds soon; then you can borrow some money from relatives and friends, and then return it to them when the funds are available.

2. Apply for deferment of repayment.

When emergencies occur, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Just tell customer service your true situation and then apply for a deferral of repayment.

3. Apply for suspension of interest payment and installment repayment.

When the situation is serious and repayment is relatively more difficult, you can contact the bank customer service. Provide relevant materials to apply for suspension of interest payments and repayment in installments.

4. Negotiate with the bank to reduce or reduce credit card debt. If negotiation fails, you can use judicial authorities to reduce or reduce credit card debt.

2. Failure to repay credit card debt will cause serious consequences, specifically as follows:

1. After the credit card is overdue and is not repaid, the bank will first cancel the interest-free treatment and add Penal interest will be charged, and interest of 5% of the bill amount will be deducted every day until it is repaid;

2. The bank will collect the bill through various channels, including phone calls and door-to-door visits;

3. If the credit card is overdue for more than three months, it is possible to sue the court and apply for enforcement of the cardholder's relevant property;

4. If the credit card is overdue, the bank will freeze the card and enter the credit blacklist , you will not be able to handle other credit business in the future;

5. If the amount of debt owed is relatively large, such as more than 10,000 yuan, it is enough to be sentenced. If you cannot repay the money in time, it is possible to go to jail.

3. Can I still use my credit card after it is overdue?

In fact, there are many reasons for overdue payment, such as forgetting to repay, delayed bank transfer, malicious overdue, long-term arrears, etc., each of which The consequences of overdue repayment will be different. Some people may still be able to use the card, but those who use it will lose the right to use the credit card forever. Here are several situations to discuss:

1. For Banks will usually turn a blind eye to overdue cases that are not malicious and are not overdue for a long time. As long as the overdue amount is paid off immediately, the credit card will not be frozen, so the card can be used as usual after the overdue amount is paid off. .

2. If the overdue time is too long and the overdraft is malicious, then generally if the credit card is not repaid for more than 3 months, the bank will freeze the credit card, and it may not be able to be used after repayment. credit card. However, it is best to contact your credit card customer service to see if it can be unfrozen.

After the credit card is overdue, the cardholder needs to pay high overdue penalty interest, liquidated damages and late payment fees. At the same time, it will also cause flaws in the personal credit record. If you want to apply for a loan in the future, the bank will reject it. If the overdue period exceeds 3 months and the bank fails to pay more than 2 times of collection, you will be sued.