1. How to apply for an extension with the bank if your credit card is not repaid?

Explain the reasons for the application to the bank, and the court will decide whether to agree to defer the repayment. Generally, the bank will collect the credit card when it is overdue for about 15 days. Usually, in this case, the bank will send a text message to collect the debt at the beginning. However, after sending the text message to collect the debt for about 30 days, the cardholder still has not paid back in time. Yes, the bank will definitely take further measures to collect the money. If the bank card is overdue for more than half a year, it may face prosecution.

2. What are the better ways to solve the problem of credit card debt?

If the credit card debt is not paid, it can be handled in the following ways:

1. Use the minimum payment feature.

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. For overdue fees, different online loan platforms have different names and charging standards.

2. Use the installment function.

If you are under repayment pressure, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability. , This can alleviate the repayment pressure and will not affect your credit.

3. Change the billing date to extend the repayment period.

The billing time cannot be changed casually. Generally speaking, it can 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 unable to repay the loan 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, proving that it is not malicious and that there is indeed a reason. We can discuss whether the repayment can be delayed. Don't change your phone number and ignore the bank. This will destroy your personal credit unless you never deal with the bank again.

If you are unable to pay off your credit card, you must proactively contact the credit card center in a timely manner and try to apply for a series of preferential policies to reduce your repayment pressure and avoid being sued by the bank. If you do not actively cooperate with the credit card center’s collection calls, text messages, and the court’s work, you are likely to bear criminal liability.