After the credit card is overdue, you should first pay off the debt as soon as possible (paying it off at one time will increase the chance of lifting the ban), call the bank credit card center to apply for opening after paying it off, and then wait for the credit card center to approve it.
If you can't repay in full after consumption or cash withdrawal, you can repay according to the minimum repayment amount, that is, 10% of the current repayment amount and related interest expenses, without affecting your personal credit record. It's best to pay attention to the statement of each period. The minimum repayment amount listed above is.
Extended data:
Remedial measures for overdue credit cards:
1. Pay in full and explain the situation: Pay in full and call the issuing bank to explain that you are not maliciously overdue. The bank will consider your situation. If the account status has been good, it is likely that the bank will not upload your overdue records to the People's Bank Credit Information Center.
2. Issue a non-malicious debt certificate: If it has been uploaded to the credit information center and left a record, you can issue a non-malicious debt statement to the bank in the future, which will help to obtain loan approval.
3. Stick to this credit card: Don't give up using this card just because it is overdue once, because the credit report will roll over within 24 months and continue to use it. After 24 months, the record will be overwritten; Once the card is cancelled, the record will be accompanied by 5 years.
4. I don't know: if the cardholder doesn't receive any bills (including text messages, emails, etc.). Before the repayment date, he can appeal to the issuing bank, and if the appeal is successful, he can cancel the bad record.
5. Bank's fault: There are many faults in the bank card, such as the annual fee adjustment of the credit card is not notified, and the system upgrade cannot be deducted. These are all the faults of the bank, and you can appeal to the bank to eliminate bad records.
References:
Baidu encyclopedia-overdue repayment