Credit card repayment is very important for cardholders. Once the credit card is overdue, it not only needs to bear extra interest, but also personal credit will be discredited, which will affect future credit behavior. Wechat credit card repayment is a common way for card friends. What should I do if I can't repay with WeChat credit card? Is there any clever way to deal with it?
First, the repayment time is sufficient, find the reason first.
Wechat credit card repayment cannot be changed. There must be something wrong. Card friends only need to find out the specific reasons and make corrections before repaying.
1. If the credit card information is wrong, check the credit card account information, focusing on the cardholder's name, bank and other information, and correct it if it is found wrong.
2. Ensure that the credit card issuer is in the WeChat support list. Wechat credit card repayment does not support all banks. If the credit card to be returned is not in the support list, you can choose other repayment channels.
Pay special attention to the repayment limit if you repay for others. My credit card repayment, single limit of 50,000, single limit of 50,000, single limit of 500,000; Pay back the credit card for others, the single limit is 2000 yuan, the single limit is 2000 yuan, and the single limit is 10000 yuan. You can't pay it back if you exceed the limit.
4. The balance of WeChat wallet or savings card with repayment option is insufficient.
Second, the repayment time is tight, so change the repayment channel.
What if wechat credit card can't repay? In order not to delay credit card repayment, it is necessary to find out the time when credit card repayment arrives in all channels. If the repayment of WeChat credit card fails, the deduction will be returned to the original account within 3 days, and the cardholder need not worry.
What if the credit card is overdue?
1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, the cardholder had better take the initiative to call the bank credit card center to state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.
2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest discount, monthly repayment amount, etc. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
Credit loan line
Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only use your credit card within this limit. If you exceed this limit, you can't use your credit card.
The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.
The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.
What is the "second line"
The second line, which can only be used in stages, is an external line that does not occupy your original line. As far as I know in Aika, China Everbright Bank and China Bank also support the phased use of the second line.
Market day
The date when the cardholder actually uses the card to conduct transactions.
Billing date
Also known as the entry date, it refers to the date when the issuing bank records the transaction amount in its credit card account or the date when the issuing bank records the relevant expenses in its credit card account according to the relevant agreement. The general billing date is the second day of the cardholder's actual consumption date. For example, if you shop on 65438+February 1, then the general accounting date is 65438+February 2.
Bookkeeping date
The billing date refers to the date when the issuing bank regularly summarizes the current transactions and expenses of the cardholder's credit card account, calculates the interest and calculates the amount payable by the cardholder in the current period.
Repayment date
The date when the cardholder actually repays the credit card account to the bank.
Interest-free repayment period
For non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The shortest interest-free repayment period is 20 days and the longest is 56 days. During this period, as long as you pay off the current payable amount on the current statement, you don't have to pay any interest on non-cash transactions (you don't enjoy interest-free discount if you borrow cash in advance).
Due repayment date-the latest date stipulated by the issuing bank that the cardholder should repay the full repayment or the minimum repayment amount.
Cancel status
If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card.
If the card is not overdrawn, you can apply for account cancellation at any time.
If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, so that the bank will carry out liquidation; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.
The credit card has not been paid yet. What to do?
If you don't return your credit card, you must bear the consequences. In addition to repaying the huge overdraft and interest, you must also bear legal responsibility. So some cardholders will give up on themselves and feel that they still owe so much anyway, so let it be. Why ruin your youth for tens of thousands of dollars?
If the credit card is in arrears, please refer to the following methods:
Use the minimum repayment function
Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill. For example, if you spend 10000 on your bill this month, the minimum repayment is only 1000 10% = 654438.
But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.
Use piecewise function
If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the total energy of phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit.
The disadvantage is that there will be a handling fee, which varies from bank to bank, generally between 0.6% and 0.8%.
Change the bill to extend the repayment period
This is also the interest-free period of 100 days as others say. Let me give you an example directly:
Mr. Li spent 10000 yuan on the credit card because of the demand, but found that he could not pay it back at one time, and he didn't want to pay back the money at least or in installments, so he could extend the billing time by changing the billing date first, thus achieving the purpose of extending the repayment time. Assuming that his 1W will be recorded on May 29th, then Mr. Li Can calls the bank on May 28th to apply for changing the recording date, which can be changed to 25th to 27th. Then the bill will not be issued in May, and 1W will be issued on June 25 -27, plus an interest-free repayment period of about 20 days, and the repayment will not be made until July 8. If you can't pay it back by then, you can use the two methods mentioned above.
Note: The billing time cannot be changed at will. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.
Repayment by card or withdrawal.
If you can apply for another card or withdraw the amount, you can also use the card for the card, but this method must be used well, otherwise the outcome will be the same, so the solution is to understand and be familiar with several functions of the credit card, and then cooperate with these basic functions to achieve it.
Take the initiative to negotiate with the bank and explain the situation.
If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.
Extended data
After the credit card is overdrawn, there may be three situations for repayment.
First of all, it is to find alternatives. But I don't recommend long-term repayment without money. The cost of repayment varies from 100-200, which is not low, and it is a large consumption. As far as banks are concerned, they prefer to spend more in small amounts, because it really conforms to one's consumption habits. In fact, the bank knows that you are cashing in, but it is profitable, which is not very beneficial to cash withdrawal. In the long run, it is more likely that you will face a card drop, and if the agent you are looking for is not professional, the number of POS machines in his hand is small, and the receipt number is the same, which is easy to be found by the wind control.
In addition, it is easy for many people to choose the minimum repayment amount, but once the minimum repayment amount is selected, the bank will judge you as a person without repayment ability, and the bank will charge a high handling fee, which is higher than the repayment handling fee. For example, if the overdraft is 654.38+000000 yuan, and the remaining 2000 yuan is not repaid within the repayment date, the bank will calculate the interest from the date of consumption, and calculate the interest on the principal of 654.38+000000 yuan, instead of calculating the interest on the remaining unpaid part.
Another and most common way is to repay by installment. The annual interest rate of installment repayment is about 5%, which is about 13% lower than the minimum repayment amount. For example, the annual interest rate of installment repayment is 5000, and the minimum repayment amount is 18000. But it is still quite high. What if friends don't want to bear these interests?
The correct credit card repayment method should be on the second day of the bill date. For example, my bookkeeping date is the 6th of each month and the repayment date is the 26th. After the billing date on the 6th comes out, the repayment will start on the 7th. If the bill is 10000 yuan, I will pay 1000 yuan every day, and then brush it out in different periods. I can pay off the bill of 10000 yuan in about 0/0 times. Pay it to 500 yuan one day, and you can pay it back 20 times.
In this way, we can repay the credit card in full only by using the minimum repayment amount, and we don't have to pay a high handling fee, which not only beautifies the bill but also helps to increase the credit card limit.
Tips: Use it within your own economic capacity and try not to overspend. The credit card actually costs your own money. You think you can pay it back in a short time and use it when you need it.
How to solve the problem that credit card repayment can't be paid?
We can negotiate repayment with the bank, or use credit card bills in installments or the minimum repayment amount to reduce the repayment pressure. If the credit card is overdue for a long time, it will have a negative impact on our credit information. If the behavior is bad, the bank will also force repayment through the judicial department.
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1. With the lowering of credit threshold in recent years, more and more people have credit cards. Now most people have more than one credit card. Although credit card can solve some financial difficulties in life, it will also make us dependent on it, and excessive consumption in advance will also produce large credit card bills. Once there is a repayment ability problem, we will face the overdue credit card and the credit information will be defiled.
First of all, we should know that the credit card money must be paid back. We want to reduce the repayment pressure of credit cards, that is to say, we can pay less or postpone the repayment date. It is impossible to breach the contract, so the credit card's bill installment and minimum repayment function can be solved. However, it is worth noting that the minimum repayment of credit cards and the late installment of bills will generate certain interest and handling fees. If you don't want to bear the extra interest, it is still not recommended to consider the installment of the bill.
3. If you really encounter repayment problems or are unable to repay, you can negotiate repayment with the bank. You can tell the bank our real situation, tell the bank the reasons for our overdue and the difficulties we encountered, and you need to show relevant information to prove the authenticity of what we said. We can make a monthly repayment plan according to our income. It will be of great benefit to us if we can negotiate repayment. We don't have to worry about credit reporting, and we will enjoy lower interest rates in stages.
If you don't return your credit card, you must bear the consequences. In addition to repaying the huge overdraft and interest, you must also bear legal responsibility. Therefore, some card friends will give up on themselves and feel that they still owe so much anyway, so let it be. In fact, credit cards are still not available, and we must find a way to solve them. If you still can't afford it, you can choose to pay by installment. Applying for the maximum installment can not only relieve the repayment pressure of the current month, but also will not generate more interest. Or the minimum monthly payment, the proportion of the minimum payment is generally 10% of the total bill. As long as you promise to pay the minimum repayment amount every month, your personal reputation will not be affected and there will be no late payment fee.
So much for the introduction of what to do if you can't change your credit card.