Users who apply for Shanghai Pudong Development Bank Card must be over 18 years old and have good personal credit information. When applying, they can go through the bank official website and the bank counter. When you apply in official website, you can learn more about the benefits contained in this credit card, and then decide whether to apply according to whether these benefits are what you need most.
After the user submits the information, the bank will approve it. At this time, users can check the application progress through different channels such as bank official website and telephone banking. If the application is rejected by the bank, you can call to ask the specific reasons, and then correct it and resubmit it.
Users need to activate after getting a new credit card. The activation method has been marked on the mailed envelope. Just choose one of them. After the credit card is activated, you can spend it by swiping it. But after consumption, you must repay on time, and there can be no overdue repayment.
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So what are the serious consequences of overdue?
If you enter the blacklist of credit information, your trip will be banned. Once it is seriously overdue and the bank's urging is invalid, you will enter the blacklist of credit information. It will cause the consequences of not being able to fly, high-speed rail, accommodation and so on. This will seriously affect children's study abroad. If it is overdue for more than 3 months, the bank will collect it according to law and bring a lawsuit to the court according to the loan contract and guarantee contract. The court will take measures such as property preservation, including freezing all bank accounts of lenders and loan guarantors, sealing up and pledging property. After the judgment, the property will be enforced according to law to pay off the bank's loan losses.
It is best to pay back the money in full after the deadline and give an explanation. If you forget to pay back the money because of your consistent carelessness, you must repay it in full as soon as possible after it is overdue, and it is best to repay it in full, because calling the bank after the full repayment shows that it will be easier to succeed in requesting cancellation of overdue records.
If the credit card cannot be repaid in one lump sum, you can negotiate with the bank to repay it in installments. Staging after overdue, also known as personal debt restructuring, can not only help debtors ensure their basic livelihood, but also make reasonable repayment and avoid collection and asset disposal. If it is a financial problem, it is not recommended to pay back several hundred and one thousand yuan, which will deduct interest and liquidated damages. Either relatives and friends turn around and pay off the overdue interest in one lump sum, or the bank will stop paying the interest, so that the interest will not rise, and pay it back slowly to avoid collection and prosecution!