Call the customer service of the issuing bank to find out what the minimum repayment amount of all your money is now. Pay the minimum repayment amount this month first, and then tell the customer service about your actual situation. Fill in the bill and reduce some expenses that do not need to be repaid, such as interest. As long as the bank allows you to incur interest late fees, you can reduce them. If it is for your own reasons, there is also a chance to reduce interest, and the withdrawal of principal will not be reduced. ?
Once your personal credit is damaged, you will encounter many hardships when you borrow money to buy a house and a car in the future. The bank will say that your credit is bad and won't give you a loan. Don't be lucky not to pay back the cash, because the national bank personal credit information system is connected to the Internet, and the personal credit information report is issued by the People's Bank of China, which is used by all banks, which will bring you great trouble and trouble when you go abroad and get a loan in the future.
Credit Card (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. 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 do not need to pay cash when using credit cards, but will make repayment on the billing 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.