1. How to deal with the credit card that has not been used for a long time
1. Facing the bank card that has not been used for a long time, users need to check whether there is any debt in the credit card, and they must pay it off in time. This treatment is mainly to avoid the subsequent miscellaneous expenses and affect the cardholder's credit information;
2. Users who have completed the above steps or have no arrears in their cards can consider whether to cancel. Users who need to cancel can replace all the points in their cards before canceling. Users who only cancel their cards but not their accounts can transfer the points in this card to another card in the same bank;
3. Users who have completed the first two steps can cancel their long-term unused credit cards.
second, how to deal with the credit card that can't be repaid
1. Use the minimum repayment function
Every bank will have a minimum repayment function. As long as this minimum repayment amount is repaid, the bank will not charge late fees and will not affect personal credit. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.
2. Take the initiative to negotiate with the bank
If it is true that due to special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there is indeed a reason, discuss whether you can delay the repayment, and never ignore the bank by changing the phone, so that your personal credit will be lost unless you don't deal with the bank in the future.
3. Use the installment function
If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the * * * function of installment 3, 6, 9, 12, 18 and 24, and you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit.