if the cardholder's credit card is overdue due to problems in the bank, it will lead to late payment fees. Then the cardholder has the right to ask the bank to reduce the late fee. For example, the bank's system upgrade leads to the cardholder's failure to repay on the repayment date, and there are unspecified charges and unknown charges.

irresistible factors.

if the cardholder's credit card bill is overdue due to serious illness, unemployment, bankruptcy, criminal detention and other force majeure factors, he can find the relevant institution to issue a certificate, and then find the bank to explain the specific situation. According to relevant regulations, after receiving the certificate, the bank needs to verify the authenticity, and then negotiate with the cardholder to reduce the late payment fee.

other reasons.

if the cardholder has negotiated with the bank about the deferred repayment plan before the credit card repayment date arrives, but the bank system still deducts money due, resulting in late payment fees on the cardholder's credit card bill. Cardholders can also go to the bank to explain the situation and ask for a reduction in the late payment fee.