Users can call the customer service hotline of Guangfa Bank or go to any business outlet of Guangfa Bank to negotiate and explain their situation to the bank staff. Make it clear that you can't repay the overdue for the time being, and ask if you can reduce, postpone or repay the loan in installments. It's best to guarantee the specific amount you can repay each month and the specific time to settle the arrears.
Guangfa Credit Card shall contact the bank in time after overdue repayment, and indicate to the bank that it will repay immediately. If you are really unable to repay, you can apply for deferred repayment or installment repayment, and the general bank will agree. When applying, try to tell your own difficulties, so as to get the understanding of the bank. Contact the bank in time after the credit card is overdue to prevent personal credit reporting from being bad due to overdue. If the overdue record is uploaded to the Credit Information Center, the record will be kept for 5 years after the cardholder handles the violation.
So try to avoid overdue repayment of credit cards. When you are sure that your current bill cannot be returned on time, you can use installment repayment or minimum repayment amount at this time, which can reduce the repayment burden of the repayment person and will not cause bad credit information; However, using the above repayment methods requires a certain handling fee, and you can pay it back in advance when you have money in the future. Overdue credit cards are generally caused by excessive consumption by cardholders. At this time, in order to reduce the burden on cardholders, it is necessary to reduce consumption. At the same time, cardholders should find ways to increase their income and let them pay off their overdue slowly. It is also possible to use credit cards in the future.