2. After paying off the debt, the cardholder wants to regain the trust of the bank. It's best to take out the asset certificate and income certificate in your name and assure the bank that you have the ability to repay the loan and will not be overdue again. As long as the bank's comprehensive score reaches the standard, he will have the opportunity to use the card normally before the next billing date at the latest.
However, don't expect too much. As the saying goes, too much hope will lead to too much disappointment. If the bank doesn't let go, there is no way to resume using the card, and there is no need to think of any way to get the so-called insiders to help. Once this is done, there will be the risk of personal information leakage and economic loss.
1. Don't cancel your credit card if it is overdue!
Many friends think that the credit card can't be used after it is swiped, but the annual fee will be deducted every year. Might as well just cancel. If you really do this, you will regret it.
After all, the bad record of overdue credit cards cannot be eliminated. Once cancelled, the road to credit recovery will be blocked, and the overdue records after cancellation will be permanently frozen. Therefore, everyone should always pay attention to the credit card bill when the validity period of the credit card expires, remember to repay it on time after deducting the annual fee, and don't overdue it again.
3. Credit card, also known as debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
4. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.