1. If we find that we can't pay in full and on time, we can apply to the bank for an extension. If we have repaid the loan in time and the repayment record is good, then the bank will agree to our application for deferred repayment. Therefore, when we need to repay in installments, we should take the initiative to contact the bank. If we agree to postpone the repayment, the bank will not record our loans as bad debts, nor will it have a bad impact on our credit information. However, it should be noted that after the installment, we will still guarantee the repayment as agreed.
2. When we find that the credit card repayment is overdue, we must repay it in full as soon as possible, and at the same time actively contact the bank to explain that we must not maliciously owe money. If the previous record is good, the overdue time is short, and the repayment is good after the overdue, bad records can be avoided. After using a credit card, you must pay attention to the bank's bill notice and collection information to avoid overdue.
3. When the credit card expires for a certain period of time, the bank can collect it. At this point, the cardholder shall not intentionally breach the contract. Because of ignorance and blind arrogance, some people not only don't pay back the money, but also evade paying back the money by changing their address and mobile phone contact information, so that the bank can't contact him and thinks that the bank can't find itself. But in fact, this method is very wrong and undesirable. When handling a credit card, your real name information has been recorded by the bank. Once you do the above-mentioned behavior, the bank will confirm that you have breached the contract with malicious overdraft, then you will go to the police and the police will list you as a wanted man.
4. The cardholder will continue to use the card after the expiration of the validity period, and the new use record will cancel the old bad record. If the card is terminated, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the credit card is overdue, don't cancel the credit card immediately to pay off the debt, but also insist on using the credit card for more than two years, and maintain a good credit during this period, so that you can rely on rolling records to delete the credit information system with bad records.