If it is overdue and recorded in the personal credit report,
You can't try to apply for a new credit card until you cancel it for five years.
Specific need to negotiate with the bank.
What should I do if CCB's credit card is suspended, overdue and cannot be opened?
After serious overdue
You need to wait until you cover the overdue records for 5 years.
You can apply again.
Please accept the answer if you are satisfied!
My CCB credit card has never expired. It was stopped for several reasons:
1, suspected of cashing out and causing freezing;
2. Repeated overdue repayment;
3, second-clearing POS machine code set, code jump: At present, the market is full of second-clearing machines, and some of them adopt the big merchant model, resulting in a chaotic state of credit card consumption records! For example, Zhang San lives in Beijing, and he spent 100 yuan in a store. The registration information of the Qing Er POS machine used by the other party in the bank may be in another city. Once Zhang San spends money on the second-clearing POS machines of other merchants' classes on the same day, if he encounters the same situation, he will have credit card records in several different cities within one day, which is very easy for the bank to monitor and seize.
CCB's credit card has been overdue and all the arrears have been paid off. The customer service of the consulting bank has been unable to handle the newly opened frozen credit card.
1. If the cardholder fails to pay off the credit card debt, pay off the money in time, call the bank customer service and truthfully explain the situation. There is no reason for banks to freeze credit cards, which are usually unfrozen.
2. If the customer service of the bank asks the cardholder to hand over the credit card, the cardholder fails to save the credit card during the credit card swiping. You can tell the customer service truthfully, apply for a waiver, and then you can swipe your card normally and repay on time.
If the customer service says that it cannot be unfrozen, ask the cardholder to return the card. Remember, never return the card!
3. After the card is cancelled, the cardholder will keep a record of overdue repayment until it is eliminated after 5 years. After the cardholder pays off the money, he can save money and swipe his card. After 3 to 6 months, he can apply to the bank for thawing. It is possible that the bank will automatically unfreeze you during this period.
Can the CCB credit card be reissued after more than 80 days of suspension? Usually it can't be thawed. You can apply by phone to see if the bank has unfrozen it.
The consequences of overdue credit cards are:
I. Bank Credit Card Banking Center will charge late fees and interest:
1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.
2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.
Second, the impact of credit:
1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;
2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;
3. After a certain amount and time, the bank will freeze the credit card.
Can CCB's credit card be opened after it has been paid off in full for one year? If the credit card is blacklisted by the bank for one year in a row and becomes a black account, even if the credit card is opened, it will be frozen and the credit card cannot be used normally. You can choose to cancel your account. The specific method of account cancellation is as follows.
Telephone banking cancellation:
Credit cards can be cancelled by telephone banking. If the credit card can only be cancelled by telephone on the premise of cancellation, call the corresponding bank customer, enter the card number and information according to the prompt, and cancel the account.
Bank counter cancellation:
Carry valid certificates, such as ID cards and credit cards;
Get the reservation number from the bank and queue up;
Explain to the service staff that you want to cancel the account, give the credit card to the bank staff and fill in the relevant application;
Credit card cancellation is over.
Precautions:
If the credit card is lost, you need to reissue a credit card first, then cancel the account, and the card fee is required to reissue the card;
Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.
My CCB credit card is overdue. According to the information you provided, you are not overdue. Your bill date is May 24th, so the final repayment date is 20 days later, that is, around June 14. You paid it back on June 3rd, which is not overdue.
For overdue repayment, the minimum repayment amount is generally completed, and the credit history is not affected. Behaviors that affect credit records include long-term malicious overdraft, repeated reminders and non-repayment. You can ask the bank directly.
In 2007, CCB's credit card was suspended due to overdue repayment (tens of yuan). Paid off the debt in 2009. Now, if you want to use CCB's credit again, I suggest you apply directly to CCB. If it fails, you can call the customer service hotline of CCB to see if it is possible to be rejected because it was overdue before. Of course, returning the card may also be due to other reasons.
However, if it is overdue for a long time, it will not be easy to apply for a new card in this bank. Although your credit history will be updated gradually after your repayment is paid off, it will still have a certain impact on continuing to apply for a card in this bank. Good luck.
My CCB credit card is overdue for more than three months, but it has been paid off. Can I still use it? After paying off the relevant funds, I will call the CCB Credit Card Center to apply for unfreezing, but it is hard to say whether it can be unfrozen. There is little hope.
How to repay CCB's credit card if it is overdue for too long? Go to the bank to repay the loan