Credit card overdue fees can be waived. If your credit card is overdue, as long as you are not maliciously defaulting, for example, you just forgot the repayment date, you can apply and then the overdue fees can be reduced. However, most banks will not agree to your application for overdue fee reduction, because many people do not have the money to pay off their credit cards, causing their credit cards to be overdue for a long time. At this time, the bank will think that you are maliciously defaulting on your credit card and causing the credit card to become overdue.

Can overdue credit card fees be waived?

As mentioned above, the reduction or exemption of overdue fees on credit cards depends on whether the credit card holder is maliciously defaulting. If the credit card holder is maliciously defaulting, the overdue fees will not be reduced at all. If you just forget to repay the loan and your credit card is overdue for one or two days, you can apply to the bank for the overdue fee incurred at this time, and then the fee will be reduced, and you only need to pay back the principal.

The dangers of overdue credit cards

1. Failure to repay overdue credit cards after overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, and overdue fees. At the same time, the bank can apply to freeze your card and list you as a prohibited customer (blacklist), sue the court, and apply for enforcement.

2. If the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession, more than 10,000 yuan is overdue, and the card-issuing bank has collected it twice and still fails to pay it back more than 3 months later, he will be suspected of credit card fraud and shall be required to do so. bear criminal liability.

3. If you are overdue for too long, you will be included in the credit blacklist, and you will be restricted from high consumption in the future, and you will not be able to apply for a credit card at any bank.

So if you use a credit card, pay it back before the credit card expires, and don't let the credit card expire. Overdue credit cards are also a kind of non-compliance with the agreement, which will lower your credit score, produce overdue records on your credit report, and leave a deep stain on your credit report.