1. Adjust the extension of bill date.
The cardholder can apply to the bank to modify the credit card bill. Most banks support the revision of credit card bills, and cardholders can enjoy a grace period of up to 20 days after the revision.
It should be noted that credit card bills are adjusted a certain number of times, generally only once or twice a year at most. It should be noted that you must apply to modify the billing date one day before the billing date, so as to reach the maximum length. The revised accounting date is the day before the application date.
2. Take the method of minimum repayment.
When we find that our credit card can't repay normally during the repayment period, we can adopt the method of minimum repayment amount to avoid overdue repayment of credit card. Generally speaking, the minimum repayment amount refers to 10% of the consumption amount and other payables.
If the repayment can't be made on time, the deduction amount can be greater than or equal to the minimum repayment amount on the repayment date, so it is not overdue, and only the interest of five ten thousandths of the full amount of the bill of the month from the repayment date is charged.
3. Negotiate repayment in installments with the bank.
When it is confirmed that the amount owed by your credit card exceeds your repayment ability, you can not only adopt the method of minimum repayment, but also adopt the method of bill installment. The method of bill installment is to negotiate with the bank to reach an agreement on installment payment, and divide the arrears into months or years.
Using this method will also generate a certain handling fee, but to a certain extent, it can avoid the phenomenon of temporary overdue repayment and solve the problem of difficult funds.