1. How to write an application for interest reduction or exemption for overdue credit cards

Write the overdue time and reason for overdue in the first paragraph.

In the second paragraph, write about your actual situation and your thoughts on reducing or exempting overdue interest.

In the third paragraph, write "The above request is approved"

In the fourth paragraph, write your name.

Sample essay:

I (__) successively used our bank’s credit card to spend __ yuan in ___. Later, due to ___ (overdue reason) and without any other financial resources, I Resulting in the inability to repay the credit card overdraft limit.

Now I have borrowed money from relatives and friends to repay the entire principal, but due to limited ability, I am unable to repay the entire debt. Now I sincerely request the bank leaders to consider my actual situation and exempt some of the overdue interest and late payment fees.

Please approve the above request!

______.

2. Will a credit report be filed if the credit card is overdue?

Different banks have different requirements for overdue credit reporting. Generally speaking, a credit card is about 1-3 days overdue. Check for credit at the meeting. Currently, various banks have varying degrees of grace periods for credit card repayments. As long as the repayments are made within the grace period, overdue records will not be reported to the central bank, and overdue records will not occur. The credit card repayment grace period varies from bank to bank, generally ranging from 1 to 3 days. If you repay within the grace period, the bank will default to on-time repayment and will not affect your personal credit report. If the loan is still not repaid after the grace period, it may be uploaded to the central bank's personal credit reporting system, which will affect your credit reporting.

3. Will you go to jail if you owe money on your credit card?

1. You may go to jail if you pay off your credit card.

2. If the credit card is overdue for more than three months or the bank has not paid more than two reminders, the bank will freeze the cardholder's card and list him or her as a prohibited customer (blacklist). At the same time, Cardholders will also be prosecuted for credit card fraud and malicious overdrafts, and the courts will enforce the enforcement.

3. If the person refuses to repay the loan after being sued and the amount owed exceeds 50,000, the purpose of illegal possession is, the court will impose a sentence based on the crime of credit card fraud, Article 196 of the "Criminal Law".

When the debtor fails to repay the debt overdue, if it is indeed due to force majeure and other reasons that the credit card debtor is unable to repay, the credit card debtor can actively communicate with the card-issuing bank and propose to the card-issuing bank to apply for an interest suspension or suspension of payment. Procedures such as interest exemption and installment repayment can be waived, and the card-issuing bank can also create a personalized repayment plan.