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What to do if your credit card is overdue? How to deal with an overdue credit card?

1. If your credit card is overdue, you must first pay back the money yourself, so that your credit report will not be reported within 20 days (the policies of major commercial banks vary).

2. Within a few days, you can call customer service and explain the reason why you are overdue. This reason is usually due to irresistible force or due to negligence on your part.

3. Explain to the bank that there is no malice in the overdue payment. This point is also very important. If you find that the payment is overdue after timely payment, you should call the bank customer service in time to explain that you have no malicious intent to overdue the payment.

4. If the overdue time is relatively long, you don’t need to worry about the credit report, because it must have been included in the file. At this time, you can use the above negotiation method (most of them are useless) , in order to prevent the bank from freezing your credit card, you can use more money.

5. If there are really overdue credit problems that prevent you from getting a loan, you can also use a non-malicious certificate to solve the problem: that is, if there are minor problems in your credit report, and you apply to the bank for issuance of a credit card that is not caused by your own initiative, Malicious overdue certificate is also a method when the credit problem is not serious.