1. How to recover an overdue credit card

1. Repay as soon as possible

I hope that friends will not worry about overdue repayments. Worried about time. After the due date, you must find a way to repay it as soon as possible.

Since overdue repayments are also divided into different time periods, repayment as soon as possible after overdue is the least efficient.

2. Keep your mobile phone open and answer the customer service call

Generally, after we overdue a payment, the customer service will call to remind you to understand the situation. Important things to say three times: be sure to keep your phone turned on and answer customer service calls.

If you fail to connect to your mobile phone or refuse to answer customer service calls after the due date, the bank will treat it as malicious overdue payment. You will be sued by the bank, and depending on the size of the debt, the final judgment will require a fine.

3. Please do not cancel the card account

Some friends will choose the stupidest method after expiration and directly cancel the card and account. Not only will this not solve any problems, it will only add more problems to yourself.

Even after repayment, do not cancel the card immediately. You need to continue using it and repay it on time. Use good records to overwrite previous expired records in the future.

4. Explain the situation in a timely manner

Regardless of whether you are able to repay the loan, you need to explain the situation to the bank in a timely manner. If the time is short, try to clear the expired records; if the time is long, communication is required and it is not a malicious overdue date. Communication is very important. Don’t pass up the opportunity to communicate with your bank.

2. What are the situations that cause credit card overdue?

When we use credit cards, we will always face one or more overdue situations. So what are the reasons that cause credit card overdue? , here are a few points:

1. Overdue due to false information

2. Overdue due to reasons not caused by yourself

3. Missed credit card repayment due to negligence Date

4. Bad records appear on the central bank’s credit report

As a friendly reminder, credit cards are easy to use, they do bring convenience to life, and they can also solve urgent money needs, but When using a credit card, you still need to use it according to your repayment ability to avoid overdue credit cards because you cannot repay the amount.

3. What to do if you can’t pay off your credit card when it’s overdue

1. Choose the minimum repayment or installment payment: Don’t think that you don’t want to pay it back, as long as you pay off the minimum repayment amount, it doesn’t matter. Will affect your personal credit. Of course, both services require payment of fees or interest.

2. Change the billing date: Most banks support changing the billing date. If you find that the current consumption amount may have exceeded a lot, you can change the billing date application to a few days before the billing date, so that you can get the interest-free period to one month. In the meantime, figure out how to raise the money and pay it back.

3. Use the bank’s delayed repayment service.

Don’t panic if your debt is overdue. Legal assistance will help you negotiate, and a professional team of lawyers will plan a repayment plan for you one-on-one.