Many cardholders have overdue credit cards because their temporary limit has been canceled or their limit has been reduced, and they have not paid back the money. After the expiration date, what everyone is most worried about is being sued or jailed. So how can you avoid being sued by the bank if your credit card is overdue? Today at 7 o'clock, I will give you a detailed analysis of what to do if your credit card is overdue. Let's take a look.

Step 1: Explain your willingness to repay

Take the initiative to call the bank to communicate and express your willingness to repay. If you really have difficulty in cash flow, you still have to pay off the credit card debt. Please discuss with the bank a realistic repayment plan.

Second: Let the bank contact you at all times

If your credit card is overdue or the money you owe the bank cannot be repaid in a short period of time, remember to keep in touch with the bank so as not to Bad debts will result.

Third: Repay at least several hundred or thousands every month

Whether you have money or not, repay a little bit every month. Don’t feel that repaying that little bit is worse than not paying it at all. ,, banks also want to make a profit, and putting you in jail is not their original intention. What they want is money, and if you go in, it will do them no good at all. The bank can calculate this kind of account more clearly than you, so even if you repay 100 every month, it shows that you are willing to repay.

Note: There are the following three elements that can be considered by banks as malicious overdrafts, one of which is indispensable: first, the purpose of illegal possession, second, failure to return after the expiration date, and third, failure to return after collection. . You returned it, but if your financial situation is not good, it does not constitute a malicious overdraft. Bank collectors don't dare to mess around, but phone harassment is inevitable.

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