1. Why credit card payments cannot be made and what to do

There are two main reasons why credit cards cannot make money. One is that the repayment card limit is not enough, and the other is that the repayment method is wrong. For example, if repayment is by transfer, the bank card used for repayment must have sufficient funds. If there is not enough money, it cannot be repaid. The specific repayment method depends on the status of the card.

If the credit card status is normal, you can use the above two repayment methods. However, if the credit card is frozen and payment is stopped, it is impossible to repay through the AMT machine, but you can transfer and repay by yourself through online banking, Alipay, WeChat and other channels, or you can ask others to help.

2. What is the latest repayment date for credit cards?

Different banks have different repayment amounts on the latest repayment date for credit cards. Bank settlement systems have time limits. It does not mean that it is enough to repay before 24:00 on the repayment date. Of course, if you miss your credit card's final payment date, the cardholder will still be required to pay it back on time during the grace period. Each bank has different rules, so you must follow the rules of your local bank branch.

Remember, if you miss a payment, you will have one late payment per month, which means you will have a negative credit record every month. And if he fails to repay for several consecutive months, he will be sued by the bank and deemed to be a malicious defaulter. His credit record will become worse and worse, the amount of arrears will become larger and larger, and he will also be fined severely.

3. What to do if your credit card is overdue and you can’t get a loan

1. Some people don’t use credit cards often. When a credit card is overdue, they don't take it seriously at all and ignore it, neither paying it back nor canceling it. In fact, this approach is very wrong.

2. If the credit card is overdue, the credit card center of the issuing bank will collect it on your behalf. At this time, some people will think that it is okay to offend the bank, disappear, and refuse to answer calls from the bank, making the bank unable to contact them and thinking that the bank can do nothing. In fact, this approach is absolutely undesirable.

3. As a credit card holder, if you are unable to repay on time due to unemployment, illness or accident, etc., the card holder is best to proactively contact the bank's credit card center to explain the financial situation before the final repayment period. Confirm that you do not owe money maliciously, and apply for deferred repayment and interest discounts. If the cardholder has kept the credit card usage records before this, it will be better. Given the cardholder's positive performance and good credit history, banks will often agree to defer repayments.

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