After a credit card is accidentally overdue, you must repay it as soon as possible. If the credit card is overdue due to negligence or objective reasons, it is recommended that the cardholder contact the card-issuing bank as soon as possible after the credit card is overdue. Explain the facts and reasons for the overdue payment and discuss solutions with the bank.

When a credit card becomes overdue, you should first repay it in full as soon as possible, and then you can take the following two measures:

1. Contact the bank in time

If If your credit card is overdue due to negligence or objective reasons, it is recommended that the cardholder contact the card-issuing bank as soon as possible after the credit card is overdue, explain the facts and reasons for the overdue date, and discuss solutions with the bank.

Under normal circumstances, as long as the cardholder pays off the balance in full and on time, the bank will not make any negative comments on the cardholder's usage record, but will only provide truthful feedback on the card's use and repayment record. of.

It is recommended to maintain a good consumption and repayment record in the future, which will continuously increase your credit rating. It should be noted that overdue interest and other fees incurred in this case are borne by the cardholder, and banks generally do not exempt them.

2. "Time tolerance" can be remedied. The correct way is that most banks have a "time tolerance" policy, which can extend the repayment period and repayment amount. Most of them stipulate that within 3 days from the repayment date Repayment within days is not considered overdue, and the repayment difference is less than 10 yuan is not considered overdue. Please consult the card issuer for details.