1. If it is overdue: repay as soon as possible and explain the situation to the bank customer service before continuing to use it;

2. If cashing out: the problem of cashing out is complicated, and cashing out is illegal, you have to call the bank's customer service hotline directly for help to see if there is any way to make up for it.

3. In any case, credit cards should be dealt with as soon as possible after risk control, and contact the customer service of the issuing bank quickly to gain time, because the problems in the use of credit cards have been directly legislated and must be taken seriously.

Extended data

Credit card risk control is actually credit card risk control. If the cardholder has some improper operations when using the credit card, the bank may control the risk of your credit card in order to avoid or reduce the risk.

The four basic methods of risk control are: risk avoidance, loss control, risk transfer and risk retention.

Risk aversion means that investors consciously give up risk behavior and completely avoid specific loss risks.

Loss control is not to give up risk, but to make plans and take measures to reduce the possibility of loss or actual loss. The stage of control includes three stages: before, during and after.

Risk transfer refers to the act of transferring the transferor's risk to the transferee through the contract. The risk transfer process can sometimes greatly reduce the risk of economic entities.

Keep the risk, that is, take the risk. In other words, if a loss occurs, the economic entity will pay it with any funds available at that time. Risk retention includes unplanned retention and planned self-protection.

References:

? Baidu Encyclopedia-Risk Management and Control