The second type: explanation of special circumstances. If you can't repay the loan on time due to special circumstances, such as industry, illness or other accidents, you can communicate with the issuing bank by stages or by phone before the repayment period, state your economic situation and provide corresponding certificates, and apply for deferred repayment and interest concessions. According to the cardholder's positive performance and good credit record in the past, banks often agree to postpone repayment, and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest concessions, monthly repayment amount, etc. This kind of deferred repayment agreed by the bank will not be recorded in the bad record, but it will still be repaid according to the contract in the future.
The third type: replace the old record with the new record. Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If there is a bad record, if you repay it in time after the deadline and continue to use it, a new record will be generated. As long as the date from the old record is more than 24 months, the old record will naturally be overwritten by the new record. However, if you stop using the arrears card, the corresponding records will not be updated, but will be kept for a long time, and this information will also be found by the bank.
Never ignore or treat it negatively, but actively take correct measures to save it. The best way is that you continue to use this card, keep the repayment record and overwrite the original negative record with the new repayment record. Generally, a new credit record will be generated after 24 months, which will not have a bad influence on your future credit behavior.
1. Some people don't use credit cards often. The credit card is overdue, and they intend to ignore it completely, neither paying back nor canceling it. This practice is very wrong. If you don't pay it back all the time, it will be overdue once a month, which means that you will be recorded with a bad credit record once a month. And if you don't repay for many months in a row, you will be sued by the bank and sentenced to malicious arrears. The credit history will be worse, the amount owed will drag on, and you will be fined.
2. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back the money, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help. In fact, this practice is absolutely not desirable. When handling a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and will call the police. The police will list you as a wanted man.
3. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.