If the credit card is overdue for a few days and the extra liquidated damages are not received, you cannot appeal through text messages. If your credit card is overdue within 2 days, you can appeal successfully. Call your bank and inform your bank. If the overdue date is too long, you need to pay off the loan and wait for the credit report center to update. Complaints are useless. Even if you complain to the bank to the Civil Regulatory Commission, the result will be the same. I usually encounter customers in a situation like yours.

Banks encounter countless thousands of people every day. The only fault is that the customers themselves do not pay attention to their credit card bill information. Many customers will use this method to claim that they have not received bills or text messages, causing themselves to If you ask the bank to deduct interest if it is overdue, the bank will not agree to it, even if you file a complaint immediately or go to the Civil Regulatory Commission to complain to the bank.

You have to be aware of this risk even if you use a credit card. The bank statement text message reminder is only an auxiliary function. If the customer becomes angry because of this, I will not pay it back. In the end, the more interest there is, the bank will benefit. If you are angry.

Negotiate solutions with the bank for overdue credit cards

After the credit card is overdue, if the customer wants to negotiate with the bank, he must first explain clearly the reason for the overdue credit card and show that he does not have the ability to repay the debt. If the customer still has the ability to repay the loan, it is not intentionally late. It is best to provide certain supporting information, such as proof of termination of the labor contract, unemployment certificate, etc. (If the customer still has the ability to repay the loan, it will most likely be negotiated with the bank. rejected by the bank).

Secondly, the customer must express his willingness to actively repay the loan. In fact, before negotiating the repayment, he should find a way to repay a little bit. Do not directly avoid repayment. At least let the bank see that he has the integrity to repay the loan. money idea.

Finally, the customer just needs to express his/her desire to extend the repayment period and repay the debt in installments. In addition, the customer can also try to apply for a suspension of interest rates, which banks will generally consider at their discretion.

If the bank agrees, then the customer can discuss a new repayment plan with the bank. After that, he only needs to repay the debt on time and in installments according to the new repayment plan. Never be overdue again. .