There are three ways to solve the problem of overdue payments on multiple credit cards.

1. Borrow money from relatives and friends

If your credit card is overdue, you can choose to borrow money from relatives and friends. The more you can borrow, the better. You don’t have to pay high fees to borrow money from relatives and friends. Amount of penalty interest.

2. Negotiate with the bank

According to the relevant provisions of my country's credit card management regulations, if the cardholder is indeed unable to repay the credit card bill, he can negotiate with the bank for a specific repayment plan, which is to suspend interest. Hang the account, ask the bank to stop charging interest, and then repay the outstanding credit card bill in installments. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. Explain the reason for overdue payment

As a credit card holder, once you are unable to repay the loan on time due to unemployment, illness or other accidents, before the final repayment period arrives, It is best for cardholders to take the initiative to call the bank's credit card center to state their financial situation, affirm that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

1. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.