1. First, you can take the following steps to solve this problem:
-Pay off overdue amount as soon as possible: timely payment of overdue amount can reduce the negative impact on credit record, and timely return of overdue amount is the first step to solve the problem.
-Establish a good repayment habit: ensure the repayment on time before each repayment date, and avoid the recurrence of overdue situations.
-Communication and negotiation: Contact the customer service department of China Construction Bank to explain your situation and express your desire to improve your credit record. Try asking them to provide some flexible repayment methods, such as installment payment.
-Increase the credit limit of your credit card: If your credit limit is low, it may lead to greater repayment pressure. By increasing the credit limit of credit cards, you can better manage your financial situation and reduce the risk of overdue.
2. Summary:
By paying off the overdue amount, improving repayment habits, communicating with banks and increasing the credit card limit, we can solve the problem that CCB's credit card is overdue for four times in five years, but it has not reached 90 days, and gradually restore the credit record.
3. Extended information:
-With regard to credit card repayment, I suggest you develop good financial habits, arrange your own expenses reasonably, and ensure repayment on time every repayment day.
-If you are in financial difficulties, you can try to consult a professional financial planner or financial consultant to help you make a repayment plan and improve your financial situation.
-You can pay attention to China Construction Bank's official website or credit card instructions, learn more about credit card usage and repayment details, and ensure that your credit record is effectively managed.
The above is the solution to the situation that CCB's credit card is overdue for four times in five years, but it has not reached 90 days. I hope it helps you.