First, call the bank customer service and ask for a refund of the liquidated damages, but only if you have paid off the arrears and successfully applied for cancellation of the credit card; The general bank staff will say that it cannot be handled directly, and ask the cardholder to contact the local branch for consultation; When applying for refund of liquidated damages, the cardholder must be tough. Under normal circumstances, the customer service will agree.

The premise of bank interest rate reduction is that cardholders have a "strong" willingness to repay, but due to objective reasons, they cannot repay in full and on time! After the cardholder applies, the bank agrees and the leader reviews, you can apply for interest reduction!

Although according to the regulations of the central bank, Huaxia Bank will not charge interest on the default interest of credit cards, but the principal owed by credit cards will still charge interest on a daily basis, and the default interest of credit cards indicates that the cardholder has breached the contract, which will seriously affect his personal credit record, so the cardholder should try his best to maintain good repayment habits.

The origin of penalty interest on Huaxia Bank's credit card;

According to the new regulations of the central bank, from 20 17 65438+ 10/month, major card issuers need to cancel the late payment fee for credit cards. For the cardholder's overdue repayment, the card issuer shall agree with the cardholder through agreement whether to collect liquidated damages and related collection methods and standards. In addition, card issuers are not allowed to charge interest on service fees such as liquidated damages, annual fees, cash withdrawal fees and currency exchange fees charged to cardholders.