If the overdue credit card display card has been cancelled, the customer had better call the issuing bank and ask the staff about the situation. Because banks don't cancel customers' cards for no reason, they usually have to apply to the bank for cancellation, and the bank will cancel the cards. Moreover, it is impossible to successfully return the card in the case of overdue arrears. The card cannot be successfully cancelled before there is no overdue debt and no overpayment.
So you'd better ask the bank staff to see if there is any problem with the card, and you'd better bring your personal ID card and card to the bank outlet to repay the loan.
Don't think that since the display card is cancelled, you don't have to pay back the money you owe, otherwise the consequences will become more and more serious if you continue to overdue. At that time, not only will there be more and more penalty interest, but also the repayment pressure will increase and personal credit will be seriously damaged. Later, to apply for credit cards and loans may also be blocked by credit problems.
The consequences of overdue credit cards are: high handling fees, the influence of personal credit and legal risks.
First, the cost is high.
If the credit card is overdue, you have to pay interest and overdue fees. Generally speaking, this fee will be higher than the usual repayment fee because of its high interest rate. Generally speaking, the interest rate of overdue credit cards is 0.5 ‰ per day, which is very high compared with bank deposits and bank loans. If the overdue benefits are too late to repay the interest, they may be more and more, like snowballing, and they really can't be repaid in the future, so the credit card is overdue and must be returned as soon as possible.
Second, the influence of personal credit.
Overdue credit cards will fall on the overdue person's credit file. When you use a credit card in a credit bank, there will be problems with your credit. Failure to repay in time will have an impact on your personal reputation in the future, and even on your future mortgage, car loan and work life. I believe many people are aware of the importance of personal credit. In the current information age, people without credit can't go anywhere, and credit report is also very important for personal credit. Once your credit card is overdue, your credit report will show that your credit card is overdue, which is very serious.
Third, facing legal risks.
If the credit card is overdue, you should take the initiative to repay the overdue money, otherwise the bank has the right to negotiate through legal channels and even freeze assets. Any bank credit card will face legal risks, and even the property can be frozen for auction. Personal losses are relatively large, so if the bank credit card is in arrears, it must take the initiative to pay it back in time. And at the same time of economic consumption, we must pay attention to our economic ability and never let the bank credit card expire.
Excuse me, CCB's credit card is overdue and the money has been paid back, but the card has been cancelled. Can't I apply for credit cards from other banks?
You can also apply for a credit card.
Ask China Construction Bank for the cancellation certificate (you can call customer service to ask for it). When submitted to other banks, you can provide proof that the expected card has been cancelled. This will increase the chances of successful application to a certain extent (mainly depending on the audit mechanism of the applicant bank).
The bank will not upload your overdue records to the People's Bank of China within 2-4 years until the information is updated by the People's Bank of China's credit information system, so your previous bad records will also be updated.
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date. 2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
How to deal with the overdue cancellation record of credit card?
Under normal circumstances, if you still have a credit card after canceling your card, if you maintain a good reputation for other credit cards in the future and insist on the best repayment every month, you can push out the bad record in two years. If you don't have a credit card, it takes five years. But I suggest you try ICBC's online credit card application. Generally, no matter how many times your credit card is overdue, they will give you one or more. Although the amount is relatively low, it will be of great help to refresh your reputation. In general, you will be their four-star user. As long as it is four stars, it has always maintained a good habit of using cards. If you repay in time, you should be able to upgrade to five stars in a year or so. At that time, you can open a wealth management account with ICBC for free. As long as you open a wealth management account and spend 50w yuan, or the accumulated consumption reaches 100w yuan (buy 100000 yuan from cheap funds every day, sell 10000 when appropriate, and swipe it several times is enough), you can apply for the platinum card of ICBC. . . . . At that time, I thought, as long as you have platinum, they will rush to do business for you, even if it is overdue. . Hehe, I have been overdue for more than 30 days four times before. . . That's how I got the platinum of ICBC. . My father is also a platinum of ICBC. . . . .
Can I use my credit card again? Under what conditions can it be resumed?
Do you know that credit cards can be used again without cancellation? There is such a magical thing. No wonder some people report that their credit cards have been cancelled and they have spent money. If so, what is the use of credit card cancellation? What conditions can be restored?
Many people think that too many cards will be cancelled because they don't know much about credit cards, but after the card is cancelled, they want to restore it for practical needs. Can I really recover my credit card after cancellation? Some situations are possible.
Whether the card can be used again after cancellation depends on whether the cardholder cancels the account when canceling the card.
A situation in which a credit card can be used again after being cancelled.
1, if the card is cancelled, the account can be restored.
When returning the card, the cardholder can call the bank customer service phone to return the card. Cancel your card when you ensure that there is no extra amount and debt in your card limit.
When opening the card again, the cardholder can explain the situation through manual customer service, provide the ID number and check some information registered when opening the card. After the cardholder confirms, the staff will cancel the credit card immediately.
2. The card is cancelled and the account cannot be restored.
If the cardholder cancels the card and goes through the cancellation procedures, the credit card cannot be resumed. If you are sure you want to cancel your card, and there are no other credit cards, debit cards, passbooks, etc. For the fund transaction of our bank, it is recommended to cancel your account. After closing the account, if you want to deal with this bank on a whim in the future, you can also enjoy the treatment and preferential treatment of new customers.
remind
1, it is not recommended that you blindly apply for a credit card in order to open a card and give gifts. The more credit cards, the better. 2-3 cards will be enough.
2. If it is because of a bad credit record, you must not cancel the card. You can stick to counting cards and eliminate bad records.
3. Both card opening and credit card cancellation are registered in the bank. After canceling the card opening for many times, it is very unfavorable for the cardholder to apply for and return the card in the future.
4. Don't choose to cancel the card unless it is particularly necessary, because it will leave a bad impression on the bank. Even after six months, the possibility of rejection is still higher than other applicants, and the rejection rate is as high as 80%.
What if the credit card is overdue? Only in this way can credit information be restored.
Good use of credit cards can add icing on the cake to our credit information, but bad use will be counterproductive. For example, overdue repayment will leave a credit stain. Some cardholders want to cancel their overdue credit cards in order to eliminate bad credit records. So, will the overdue cancellation of credit cards really resume? Let's have a look.
1. Can I cancel my overdue credit card?
Credit cards can only be cancelled if there is no debt and balance, so if you want to cancel the card after the deadline, you must pay off the debt of the credit card.
After the repayment amount arrives, you can call the service hotline of the issuing bank and transfer it to manual customer service to apply for card refund. After verifying the identity information of the cardholder, the customer service will cancel the card for him. From the date of card withdrawal to the 46th day, the card will be officially withdrawn without any arrears and balance.
2. What if the credit card is overdue?
If the credit card is overdue, the credit record will not be restored immediately. You should know that after the credit card is overdue, the bad credit record will be washed away in the fifth year from the date of paying off the debt.
In order to reduce the influence of overdue credit card, the correct way is not to cancel the card, but to continue to use the card for 2 years after overdue repayment.
Once, a card friend cancelled his credit card after overdue repayment, and the application for mortgage was rejected. Other cardholders pay off their credit cards after they are overdue and continue to use them for 2 years. The mortgage application actually passed. Although bad credit has not been eliminated, new credit records have been generated during the use of credit cards, and overdue records have been gradually covered.
To sum up, it is not a wise choice to cancel the credit card overdue, and the bad credit will not be cancelled because of the cancellation of the card.
How to remedy the overdue cancellation of credit cards? Try to do this.
In 2020, a large number of overdue credit cards broke out. Although many cardholders have paid back the money after the deadline, they still have bad credit records, so they simply cancel their credit cards. Results The credit card status shows that the account has been cancelled, but the overdue record still exists. This must be corrected. Let's have a look.
As we all know, compared with the first generation of credit information, the second generation of credit information has added a lot of contents, such as "two-year overdue amount" and "repayment record of cancelled credit card in recent five years", so even if the credit card is cancelled, the overdue record in recent five years can still be found, and it is not feasible to wash the credit information by canceling the account.
In addition, the cancelled credit card has no new repayment record, and the overdue record will not be overwritten. The cancelled credit card will always remain in the credit report, so the overdue record will never be eliminated. Therefore, the correct way to use a credit card after it is overdue is to keep it for at least 2 years, and don't overdue it again during this period. When the bad information is overwritten, you don't want to use the card and then cancel it.
If the cancellation is overdue, you can try to apply for a new card in this bank, activate the card and use it, and repay it on time. Maybe we can fix it. Because re-issuing the card is equivalent to reopening the cancelled account, although the new credit card and the old card are inconsistent, they are all under the same account, and the overdue record of the old card can be overwritten.
The above is the introduction of "how to remedy overdue cancellation of credit cards", hoping to help everyone. Finally, I want to remind you that you must master the method of eliminating overdue records. Nine times out of ten people who spend money to erase records in the market are liars, so don't believe them easily.
So much for the introduction of bad credit card records and how to do it.