1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.

2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount, monthly repayment amount, etc. acceptable to both parties.

In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank credit card center and declare the non-malicious debt, if it has been recorded before.

Extended data:

I. Basic contents

Temporary credit line, as its name implies, refers to the credit line temporarily adjusted by the bank to credit card holders. Generally speaking, temporary credit lines are all increased. ?

When the fixed credit limit of your credit card is not enough (such as decoration, travel, etc. ), you can call the credit card center of the issuing bank and ask the customer service to temporarily increase the credit limit within a certain period of time. The customer service will determine whether the credit limit can be temporarily increased for you according to your card use record, and the credit limit will be transferred back to the original fixed limit after the specified time.

Second, credit information

Generally speaking, if your credit card has a good record and there is no overdue or other illegal use of the card, you can temporarily increase the credit limit, and the scope of increasing the temporary credit limit is generally controlled at X times of the fixed limit.

In addition, on Christmas, New Year's Day, Spring Festival, Eleventh and other fixed holidays, the bank credit card center will actively adjust the temporary credit card limit. Generally, the increased temporary credit limit is x times of the fixed credit limit for cardholders' holiday consumption. Your quota will be restored to the original fixed quota about one month after the holiday.

Baidu encyclopedia-temporary quota