Description:
1. The credit card is overdue for about one year, and the overdue amount is fourteen thousand.
2. In general, the bank will decide whether to apply for installment repayment according to the overdue amount and overdue time.
3. Generally, you can still apply for repayment by installments if it is overdue for about one year, but the specific repayment periods may be limited.
4. According to the usual regulations, the most common installment periods are 6 months, 12 months and 24 months.
5. If the overdue amount is 14,, the longest number of installments that can be applied for is generally 12 months.
6. Applying for installment repayment can reduce the pressure of one-time repayment, and it is easier to realize repayment by spreading the repayment amount over multiple months.
7. If you can't get through by calling the credit card center, you can try to inquire about the relevant policies and operation methods of installment repayment on the official website of the bank.
Summary:
If the credit card is overdue for about one year, you can still apply for installment repayment. You can pay it off in 12 installments at most. However, the specific repayment period needs to be determined according to the bank's policy. If you can't get through to the credit card center, you can check the official website of the bank for information about installment repayment.
Extended information:
Overdue repayment means that the credit card holder fails to pay according to the agreed time and amount. Overdue repayment will not only lead to bad records of credit card accounts, but also generate high late fees and interest. In order to avoid the influence of overdue repayment on personal credit record and reduce the pressure of one-time repayment, banks usually provide installment repayment schemes for cardholders to choose. Cardholders can choose the number of installment repayment periods according to their own situation and bank policies. Different banks may have different treatment methods and installment repayment policies, so it is recommended that cardholders consult the bank's customer service channels or the official website in time to obtain the latest relevant information.