1. What should I do if the credit card is really not available?

1. Use the minimum repayment function.

Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.

2. Use the staging function.

If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the ability of installment 3, 6, 9, 12, 18 and 24, and you can choose the number of installments according to your repayment ability, which will ease the repayment pressure and will not affect your credit.

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

The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Take the initiative to negotiate with the bank.

if it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious not to pay back, and there are indeed reasons, discuss whether you can delay the repayment, and never ignore the bank by changing the phone, so that your personal credit will be lost unless you don't deal with the bank in the future.

2. Consequences of overdue credit card repayment

1. Bear a high penalty interest.

after a credit card defaults, the penalty fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If it is not fully repaid on the last repayment date, it will generate revolving credit interest on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

2. causing legal disputes.

The violent collection of credit cards has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some so-called "debt collection companies". These companies are mixed in quality, and the methods of debt collection are rough, which brings great troubles to customers.

3. Leave a "credit stain" in the national credit information system.

as long as you have applied for a card or made a loan in a bank, you will automatically generate your own "credit report" in the system. The "stain" in this report can not be ignored, which will affect the application for various loans, insurance, job hunting, overseas study, etc. Bad records are generally kept abroad for 7 years. The public's overdue negative record is no longer accompanied by life. If it can be repaid in full and on time for five years, the credit can be returned to innocence.

I really need to find a way to deal with the credit card. Whether I borrow money or negotiate with the bank to postpone repayment, I need to deal with it in time. If I ignore it after it is overdue, it will not only generate high interest, but also damage my credit information. It is impossible for me to borrow money to buy a car or buy a house in the future. Therefore, I must pay back the money when I borrow money, so as to avoid causing myself trouble.