Now many card friends have several credit cards in their hands, and more than one has a consumption record. If many credit cards are overdue because of tight funds, how to repay them is particularly important. There are still many people who will struggle whether to owe more or less first. Let's analyze it below.

Which expired card should I return first?

If the credit card is overdue more than once, don't get caught in the rain, thinking that every bank can pay back some money, so that you can prove your willingness to repay. This is ineffective, and it will only make overdue interest more and more unaffordable, so it is best to pay it back by one bank.

For those who are older or younger, it is suggested to calculate small and large overdue fees and daily interest at one time. If you can't figure it out, you can call the bank credit card customer service directly, and the customer service will count the overdue fees.

On the contrary, it is suggested that everyone chip in and pay a small debt. If there are fewer small debts, the overdue fee will be lower, and the family will pay it back. However, we should also pay attention to the order in which the repayment is recorded. Generally, the interest is deducted first and then the principal is deducted within 90 days, and the principal is repaid first and then the interest is repaid after 90 days.

For those with large debts, if they are really unable to repay, they can try to negotiate debt restructuring with banks to avoid increasing interest by stopping paying interest. Importantly, they can be repaid in 60 installments at the longest, which can greatly reduce the repayment pressure and have a higher success rate than small debts.