1. How long does it take for a general credit card to be suspended after it is overdue?

Generally speaking, a credit card will be suspended after 90 days of overdue. If the debt is overdue for more than 90 days, bank staff will come to collect the debt or collect evidence to check whether the debtor has the ability to repay.

It should be noted that if a user is overdue for more than 90 days, it is considered seriously overdue and will be recorded on the bank's blacklist, affecting the user's credit report. If the amount of debt owed is large and overdue for a long time, the bank may sue the user, so it is recommended that the debtor pay off the debt as soon as possible. If there is not so much money at the moment, you can call the Bank of Communications to apply for installment.

2. Consequences of overdue credit card repayment

Consequences of overdue credit card repayment:

1. Consumption payments no longer enjoy the interest-free repayment treatment;

2. The card-issuing bank will calculate interest on a daily basis from the day when the consumption occurs, using the consumption amount as the principal, with a daily interest rate of 5/10,000 and compound interest on a monthly basis;

3. Calls and letters to the card-issuing bank will also affect your personal credit record.

4. And may face litigation.

3. What to do if the credit card repayment is overdue

1. Continue to use it

After it is overdue, the best way is to continue to use this card and use a new one. The normal repayment record covers the original negative record. Generally, a new credit record will be generated after 24 months, so that personal credit, etc. will not be affected after the record is refreshed.

If you are overdue for a long time, your credit card will accrue interest and there will be high late payment fees. If you run away, the bank will consider it a malicious overdraft and will call the police.

2. Apply for delayed repayment

If you are unable to repay on time due to unemployment or illness, before the final repayment deadline arrives, state your financial situation and declare that you do not owe money maliciously. , you can apply for delayed repayment and interest discounts.

3. Repay in full and on time

If you forget to repay due to usual carelessness, you must repay in full as soon as possible after discovering that it is overdue, preferably in full, because the full amount is After repaying the amount, you have the best chance of winning by calling the bank to explain that the debt is not malicious and requesting that the overdue record be eliminated.

An overdue credit card will have very serious consequences. As long as the bank collects it twice and has not repaid it for more than three months, the bank can sue the court and your credit card will also be suspended. ; Only after I have repaid all the debts can I use it again. This is all stipulated by law.