If people are infected or isolated, front-line prevention and control workers and people whose income sources are directly affected by the epidemic, they can apply for credit card repayment extension.

if the overdue time exceeds three months, you can personally go to the bank to explain the overdue reasons to the manager in charge of loan affairs and negotiate the final repayment date. Considering that most overdue people will lose the trust of the bank when they are overdue for more than three months, it is suggested to guarantee their repayment ability before negotiating with the bank.

You can find a guarantor or a guarantee company, or you can use some of your own fixed assets as collateral.

1. When looking for a guarantor, it should be noted that the guarantor must have certain credibility, good economic ability and willingness to repay the arrears on his behalf.

2. When looking for a guarantee company, you should pay attention to whether the guarantee company is formal, whether it has guarantee qualifications and the level of guarantee fees.

3. If you use your own fixed assets as collateral, you must first issue an asset appraisal report to the relevant department to determine the actual value of the assets.

if the credit card is overdue, it is necessary to repay it in time. It is best to settle the arrears in one lump sum. If the personal funds are insufficient, which leads to the inability to repay, you can take the initiative to explain to the bank that it is not malicious arrears, and negotiate a solution. If you have performed well in the past, you may not be recorded in the credit information system. If the overdue record is recorded in the credit information system by the bank, it is necessary to maintain a good credit record for 2 to 5 years to cover the bad credit information.

Under normal circumstances, it is not that the bank will call for collection if it fails to repay the loan for more than one month during the epidemic period. At this time, it will directly upload the record to the credit information system, and all kinds of credit business will be blocked in the future, including mortgage and car loan will be rejected; For more than three months, some banks will come to collect money; If it has been overdue for half a year, the bank will apply to the court to sue the cardholder. Because of the high cost of prosecution, the general bank will give the cardholder a chance. If the leaflet from the court has been received, it will be too late, and the cost of prosecution will be borne by the cardholder.