1. How to solve the problem of Dalian credit card repayment?

1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay.

2. Use the installment function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure without affecting your credit.

3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to explain the situation to the bank and negotiate. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again.

2. The consequences of overdue credit card repayment are serious

The consequences of overdue credit card repayment are serious, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.

1. Consequence 1 of overdue credit card repayment: high penalty interest. After a credit card defaults, the penalty fees usually involved are recurring interest fees and late payment fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and the interest will be charged from the date the consumption is recorded. Calculate interest.

2. Consequence 2 of overdue credit card repayment: legal disputes. Violent debt collection on credit cards has become a hot topic. Many bank credit card centers outsource credit card repayment collection to some so-called "debt collection companies." These companies vary in quality and use rough debt collection methods, causing great trouble to customers.

3. The third consequence of overdue credit card repayment: leaving a "credit stain" in the national credit reporting system. As long as you have applied for a card or taken out a loan at a bank, your own "credit report" will be automatically generated in the system. The "stains" in this report cannot be ignored. It will affect the application for various types of loans and insurance. , job hunting, studying abroad, etc. Bad records are generally retained abroad for 7 years. Citizens’ overdue negative records will no longer remain with them for life. If they can repay their loans on time and in full for five consecutive years, their credit will be clean.

There is no reason not to repay the debt under any circumstances. Even if it is a loan shark, the party concerned should repay the principal. Moreover, credit card consumption is just a relatively new consumption method. It does not mean that consumption methods are not protected by law, so the parties cannot just try to find ways to pay off the credit card, or simply not repay the debt.