1. Apply for deferred repayment by phone:

If you only have no money to repay on the repayment date and can repay the money immediately in two days, then you can apply for a bank extension Deferred repayment service. Every bank has a one to three-day deferred repayment service. Although the time is short, it is better than filing a credit report overdue, giving cardholders more time to raise money.

2. Minimum repayment:

Each bank will have a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late payment fees and will not Affecting personal credit, generally speaking, the minimum repayment amount is 10% of the total bill amount. For example, if your bill consumption this month is 10,000 yuan, the minimum repayment is only 10,000*10=1,000 yuan.

However, interest will be charged for repaying the minimum, which is 50% of the interest per day. Therefore, you only need to repay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and you can only For temporary delay.

3. Installment repayment

If you are under pressure to repay, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments** *Yes, you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit; the disadvantage is that there will be a handling fee, which varies from bank to bank, usually between 0.6-0.8 .

4. Modify the credit card bill date:

Nowadays, all major bank credit cards support modifying the bill date. Before the bill date comes, you find that you really have no money to pay off the credit card this month. , you can apply to the bank to modify the billing date to extend the repayment date.

It should be noted that different banks have different requirements for modifying the statement date. Generally, it can only be modified once every six months or a year. When using this method, grasp the time well, and it cannot be used frequently.

5. Apply for deferred repayment by phone:

If you just have no money to repay on the repayment date, and you can repay the money immediately after the salary is paid in two days, then you can Apply for the bank's deferred repayment service. Every bank has a one to three-day deferred repayment service. Although the time is short, it is better than overdue credit reporting. It is also good to have more time to raise money.