If you can't pay off your credit card due to the epidemic, you can negotiate with the bank to postpone the repayment, but it must be due to the new coronavirus. In addition, the party concerned needs to provide legal evidence, and the bank will review and approve it. The repayment process can be deferred to avoid errors in legal application.

1. What should I do if I cannot pay back my credit card due to the epidemic? You can apply for an extension. The Central Bank and Banking Regulatory Commission have issued a notice to reasonably extend the repayment deadline. If you are unable to go to work due to the new coronavirus, resulting in the inability to repay your credit card on time, the central bank and the China Banking Regulatory Commission issued the "Notice on Strengthening the Cooperation of the Banking Industry, Insurance Industry, and Financial Industry Services to Prevent and Control the Pneumonia Epidemic of New Coronavirus Infection" No. Article 3: For people who have lost their source of income due to the epidemic, appropriate credit policies must be given, flexibly adjust the repayment arrangements for housing mortgage loans, credit cards and other personal credit, and reasonably postpone the repayment period. When applying for credit card deferred repayment, the bank will require the cardholder to provide relevant certification materials that prove that the repayment cannot be made normally due to the impact of the epidemic, including but not limited to identity certificate, occupation certificate, diagnosis certificate, transportation ticket, etc. If unable to provide, the bank will Will not approve. Financial institutions will reasonably adjust the submission of overdue credit records. For those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined for epidemic prevention and control, and those who participate in epidemic prevention and control, who fail to repay in time due to the impact of the epidemic, the access institution It is determined that relevant overdue loans do not need to be submitted as overdue records, and those that have been submitted will be adjusted.

2. How long will banks defer repayment due to the epidemic? It depends on the negotiation process. Each bank does not uniformly stipulate the extension time. You can consider the following situations: 1. For those who are infected with new pneumonia For those who are hospitalized or quarantined, those who need to be quarantined for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their source of income due to the epidemic, financial institutions are required to give appropriate tilts in credit policies and flexibly adjust personal mortgages, credit cards, etc. Credit repayment arrangements and reasonable extension of the repayment period. Guaranteed loans for personal entrepreneurship infected with the new coronavirus can be extended for one year. 2. Financial institutions reasonably adjust the submission of overdue credit records. For those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined for epidemic prevention and control, and those who participate in epidemic prevention and control, who fail to repay in time due to the impact of the epidemic, after receiving If the investment agency determines that the relevant overdue loans do not need to be reported as overdue records, those that have already been reported will be adjusted. If the parties are unable to repay their credit cards due to the epidemic, they can be dealt with legally in accordance with regulations. Especially if serious illegal acts are caused, or there is credit card fraud, relevant criminal liability can be investigated in accordance with legal provisions. Specific circumstances It depends on the actual application situation.