1. What to do if a credit card is overdue due to special reasons?

Overdue credit card due to special reasons mainly refers to overdue reasons that are not caused by the cardholder, such as if If the bank system is unable to repay the loan normally, or the card was applied for by a fake person and the credit card was not paid overdue, or the source of repayment is lost due to non-force majeure and cannot be repaid, etc., you can try to negotiate repayment with the bank.

Relevant documentation is required, such as income certificate, social security certificate, poverty certificate, etc. The bank can only agree to negotiate after verification.

2. What to do if your credit card is overdue

1. Quick remedy for overdue credit cards

If you encounter an overdue credit card, you should immediately call the bank service number to explain that the debt is not malicious. , pay the arrears in a timely manner.

Under normal circumstances, banks will have a grace period of 3 days. Once cardholders find that their credit cards are overdue, they must deal with it immediately to avoid leaving bad records.

2. How to deal with bad records

If the cardholder has left bad records in the bank, do not rush to cancel the card after paying the outstanding balance and explaining the situation. The card will no longer be able to update personal credit records, and the bad records will always be recorded in the bank, causing serious consequences.

The correct approach is to continue to use this credit card for at least 2 years and maintain a good credit record. This will basically not have any impact on personal mortgages, loans, credit card applications and other businesses.

Currently, the retention period of credit records in my country is 5 years.

In actual use, don’t hold out hope that overdue credit cards will be remedied or bad records will be eliminated, but you should use your cards rationally. Developing good credit card and repayment habits, timely repayment, and not overdue are the basis for ensuring a good credit record.

3. What should you pay attention to when committing malicious overdraft?

1. The cardholder is a legal cardholder. If someone steals or falsely uses another person's credit card, it constitutes theft or false use of another person's credit card and does not constitute a malicious overdraft.

2. The cardholder deliberately failed to repay the card. For the purpose of illegal possession, that is, the person who overdrafts clearly knows that he has no ability to return the money before the overdraft, but still uses the card to make purchases or withdraw cash. Or it is the behavior of being able to repay but not wanting to repay after spending or withdrawing cash. It is a subjective unwilling behavior. In the process of inferring whether the perpetrator has the purpose of illegal possession, it must be distinguished whether the behavior is subjectively malicious and does not return, or whether the perpetrator cannot return because of reasonable objective factors. This is the key to distinguishing malicious overdrafts from good-faith overdrafts.

3. Malicious overdrafts include overdrafts exceeding the prescribed overdraft limit, overdrafts exceeding the prescribed period, and non-repayment despite collection. The overdraft limit refers to the amount of personal credit guarantee short-term loans that cardholders can use as specified by each card-issuing bank. For cardholders who have overdrafts, each card-issuing bank can collect them according to the repayment period. If the cardholder voluntarily returns the money without being collected by the bank or returns it promptly after collection, it will not be treated as a crime.

Credit card repayments need to be processed before the repayment date expires. If the repayment cannot be made normally due to reasons not caused by the person, then you need to contact the bank in time for processing to see which party has the problem. , Only in this way can we solve it better. Therefore, when handling it, we will consider the actual situation. We must pay attention to the repayment date to avoid unnecessary disputes.