Useful. Lawyers can assist cardholders in communicating with banks and provide legal services to cardholders. After the credit card is overdue, if you are unable to repay due to other accidents, it is best to take the initiative with the bank. Contact by phone, state your actual situation, express your willingness to repay, and apply for an extension of repayment.

1. Is it useful to contact a lawyer if your credit card is overdue? It is. It is useful to find a lawyer if your credit card is overdue. The lawyer can provide legal services based on actual legal matters, but attorney fees need to be paid. Solutions to overdue credit cards: 1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, before the final repayment period arrives, the card holder is best to proactively contact the bank's credit card center. Contact by phone, state your financial situation, affirm that you do not owe money maliciously, and apply for delayed repayment and interest discounts. 2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment and agree with the cardholder on a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. . In this way, if you proactively contact the bank and get the bank's consent to postpone the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future. 3. If you forget to repay due to negligence, you must repay as soon as possible after discovering that it is overdue, preferably in full. Then call the bank's credit card center and declare that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments. 4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system.

2. What are the consequences of late repayment on a credit card? Generally speaking, if you repay a credit card overdue, you may encounter the following consequences: 1. Failure to repay in time will affect your personal credit record. First of all, if it is overdue, it is a breach of trust. 2. Once there is a bad record on your personal credit report, it will affect future matters including various loan applications, credit card applications, and even going abroad. This is not an issue that affects the continued use of credit cards. 3. If the debt is not repaid for a long time, not only will there be high late payment fees and interest; 4. The bank may also classify this part of the debt as a malicious overdraft, which means that the bank will Cardholders who have long-term non-repayment have the right to judicial prosecution. 5. In practice, after applying for a credit card, if the payment is overdue for more than three months or the bank has paid more than two reminders, the bank will freeze the card and classify the person as a prohibited customer, and then the bank will sue in court. . If a credit card is overdue, it will affect your personal credit record and affect your daily life. If it is a malicious overdraft, it may also be suspected of a criminal offense. Therefore, when the credit card is overdue, you can communicate with the bank in time, of course, if necessary. If so, you can also hire a lawyer, which will be very helpful in fighting for your own interests.