1. Pay overdue debts

The direct method is to pay the overdue debts. After the payment is completed, the bank will eliminate the overdue records, but this method is often time-consuming and labor-intensive, and Certain liquidated damages may have to be paid.

2. Apply to the bank for exemption of liquidated damages

If the user is overdue, he can apply to the bank for exemption of liquidated damages. When applying, he should provide valid supporting materials to prove that he is really unable to do so. Repay, otherwise it will be difficult for the bank to agree to reduce or exempt liquidated damages.

3. Apply for a repayment plan

If the user is overdue, he or she can apply for a repayment plan from the bank. Through the repayment plan, the user can pay a larger debt in installments. , the interest of installment payment will be much lower than that of one-time payment, and you can effectively control your financial situation.

4. Apply for deferred repayment

If the user is overdue, he or she can apply to the bank for deferred repayment. The bank will grant a certain extension period based on the user's actual situation. During this period, Within this period, users can repay on time, and within this period, overdue credit card records will not be eliminated.

5. Apply for credit card adjustment

If the user is overdue, he or she can apply to the bank for credit card adjustment. The bank will adjust the credit card limit or interest rate based on the user's actual situation, thereby alleviating the user's pain. Financial pressure, but credit card overdue records will still remain.

6. Complain to the credit card company

If the user is overdue, he can complain to the credit card company. When appealing, he should provide valid supporting materials. If the credit card company believes that the reason for the user's complaint is valid , the overdue records will be deleted.