1. What should I do if I have no money to repay my credit card?

If I have no money to repay my credit card, the user should choose to negotiate with the bank for repayment, and after the negotiation is successful, I will make repayment according to the agreement. If the negotiation fails, you need to repay according to the original repayment plan, otherwise there will be overdue records uploaded to the user's credit information. As for the use of credit cards, we should also be careful not to overspend, which will lead to the inability to repay.

in addition, if the credit card has no money to repay, you can choose the minimum repayment and installment repayment, which will reduce the monthly repayment pressure and ensure that you can repay on time in the current month.

2. How to deal with overdue credit cards

1. Quick remedy for overdue credit cards

(1) In case of overdue credit cards, you should immediately call the banking service number to explain that it is not malicious arrears and make up the arrears in time.

(2) Under normal circumstances, banks will have a grace period of three days. Once cardholders find that their credit cards are overdue, please deal with them immediately to avoid leaving bad records.

2. How to deal with bad records

(1) If the cardholder has left a bad record in the bank, don't cancel the card in a hurry after paying the arrears and explaining the situation. Once the card is cancelled, the personal credit record cannot be updated, so the bad record will always be recorded in the bank, causing serious consequences.

(2) The correct way is to continue to use this credit card, and maintain a good credit record for at least 2 years, which will basically not affect personal mortgage, loan, credit card application and other businesses.

3. How many days will the credit card be overdue?

(1) Generally speaking, the credit card will be overdue for 3 days. Most banks have time tolerance service, which is usually 2 to 3 days. That is to say, users are allowed to complete the repayment within 2 to 3 days after the final repayment deadline, and this situation will not be reported.

(2) It should be noted that if the credit card is overdue, it will affect many needs such as loans and loans in the future, so it is suggested that the debtor should pay off the debt as soon as possible. If there is not so much money at the moment, he can call Bank of Communications to handle the installment.

since the credit card has not been paid, the cardholder must actively find a solution. Cardholders can borrow money from their family and friends first to temporarily solve the current urgent needs, and then return it to their family and friends after they have money. Cardholders can also apply for the minimum repayment function of credit cards, and pay part of it first, so as not to affect personal overdue.