Credit card overdue is a situation that cardholders and banks are unwilling to appear, but it is inevitable that they will encounter accidents when repaying. Generally speaking, they are unable to pay off their debts except for forgetting to repay, so don't run at this time, they must face it and negotiate, preferably in advance.
Look at the consequences first. If the credit card is overdue beyond the grace period, there will be credit stains. Moreover, in the case of overdue for three consecutive months, the credit has entered the blacklist, and it is almost impossible to obtain a loan before the stain record is cleared.
If the overdue time reaches certain requirements of the bank, it is not excluded that it is overdue for more than 6 times and has not been returned once, and it will be blacklisted by the personal credit information system of the People's Bank of China. The bank will freeze the overdue credit card accounts and add them to the blacklist. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the personal credit record of cardholders and make it unpredictable for cardholders to apply for housing mortgage loans.
That's not all. I owe the principal (excluding interest) more than 50,000 yuan, maliciously disconnect the network, overdraw, overdue for more than 6 months, and I can't contact myself by phone. If you fill in false information, you may be at risk of criminal prosecution and imprisonment.
It is skillful to repay after the credit card is overdue. First of all, prepare your materials, proof of your debt and income, and give them to the bank, usually a credit report and income certificate issued by the company or unit. To prove that he has a stable repayment ability, but he is temporarily in financial difficulties, and negotiate to postpone repayment.
Second, if the overdue cardholder really can't afford the monthly repayment, he can apply to the bank to stop paying interest to pay off the account and realize personalized installment repayment, which can be interest-free for up to 5 years and 60 months. It can greatly reduce the repayment pressure of cardholders. This seems like a good deal, but unless it is very special, the bank will not compromise and stop paying.
Third, if the bank or the collection company violates the rules, then you can use it as a favorable basis for negotiation, and then you must show that you will repay and negotiate on repayment.
Therefore, if the grace period has not yet arrived, you must take the initiative to go to the bank to explain the actual situation. It's best to apply for a few days grace period and give yourself time to raise money. In addition, users can ask relatives and friends for help and borrow money to pay off their debts.
How to repay the overdue credit card? Try these methods.
Many cardholders want to stop repayment after their credit cards are overdue, which is actually wrong. If a credit card fails to repay after it is overdue, not only will the penalty interest be high, but the serious bad credit will never be eliminated, so it is best for overdue cardholders to repay as soon as possible. Then, the credit card is overdue, how can I repay it? Let's have a look.
1. How do I know my credit card is overdue?
Under normal circumstances, the credit card repayment date is overdue, but some banks will have a three-day interest-free period. The repayment within three days after the final repayment date is not overdue, and it is overdue if it exceeds three days. I'm really not sure if it's expired. You can check by the following methods:
1. Log on to the online banking/credit card website and enter the personal account page on the credit card home page. The system will automatically identify overdue customers, and once overdue, the page will display overdue reminders;
2, SMS reminder, many banks will send overdue SMS to remind customers to repay, receiving such SMS will definitely mean overdue;
3. Telephone consultation. Call the customer service phone of the issuing bank directly and transfer to manual customer service. By the way, may I ask whether the overdue records have been reported to the central bank for credit investigation? If you haven't reported it yet, return it quickly. Maybe it's time to save the credit investigation.
Second, how to repay the overdue credit card?
The overdue credit card will generate penalty interest and liquidated damages, but it will usually be included in the next bill, so it is only necessary to pay off the credit card debt during this period.
The repayment method is the same as usual. You can repay through mobile banking, online banking, or third-party channels. It is recommended to use free repayment and real-time repayment to avoid charging one-day overdue interest.
The above is the introduction of "How to repay the overdue credit card", and I hope it will help everyone. In short, don't break the credit card when it is overdue. Paying off the debt as soon as possible will have less impact. Otherwise, the longer the overdue period, the more interest will be generated, and criminal responsibility may be investigated if the circumstances are serious.
China Bank Credit Card Overdue Repayment Form
1. If it is overdue 1 to 90 days (inclusive), it shall be repaid in the order of interest receivable first and then principal, as follows: Note the repayment order (loan): last interest-last expense-current interest-last expense-current withdrawal-current consumption;
2. If the payment is overdue for more than 9 1 day, the repayment shall be made in the order of repayment of principal first, then interest or various expenses, as follows: Note the repayment order (loan): cash withdrawal in the previous period-consumption in the previous period-cash withdrawal in the current period-consumption in the current period-interest in the previous period-interest in the current period.
The above contents are for your reference. Please refer to the actual business regulations.
How to repay the overdue credit card of China Bank?
China bank credit card repayment methods can be divided into: active repayment and automatic repayment.
1. Active repayment: you can choose China Bank Mobile Banking, China Bank Personal Online Banking, Colorful Life APP, "China Bank Credit Card" WeChat official account, China Bank counter, self-service terminal and other channels for repayment. At the same time, BOC also supports inter-bank transfer and third-party repayment methods, such as WeChat, Alipay, Lacarra and Tenpay. If you choose a third party to repay, you may charge a certain fee. Please consult the transferor for the specific amount. Since the third-party channel cannot receive the account in real time, please take the initiative to repay at least 3 working days in advance.
2. Automatic repayment: associate your Great Wall electronic debit card of China Bank, ordinary current savings passbook, current all-in-one passbook of local and foreign currencies, Great Wall RMB credit card or debit card of other banks with your China Bank credit card. The due repayment date will be automatically deducted from the associated repayment account to repay the current bill of your China Bank credit card. You only need to ensure that the repayment account is sufficient and in normal condition one day before the due repayment date.
The above contents are for your reference. Please refer to the actual business regulations.
How to pay back the overdue credit card? It's safer to repay in this way
Many card friends feel a little broken when they see that their credit cards are overdue, and they don't plan to repay them. This is unwise. You should know that credit cards will not affect credit information, and there will be various consequences. Only by returning the credit information earlier can it be restored. However, credit card overdue repayment should not be blind. As for how to repay, the cardholder's repayment ability should be considered.
How to pay back the overdue credit card?
1. For the capable cardholders, if the credit card is overdue, it is of course good to repay it in full at one time. Remember to pay not only the principal, but also the penalty interest and liquidated damages. If there are outstanding installments, as long as the bank does not require full repayment, it will continue to repay on schedule. After all, prepayment will not be free of charge, which is not cost-effective.
2. The repayment ability is insufficient, and the cardholder can't put it down if he has no money to repay. Otherwise, the longer the overdue period, the more interest will be generated. You can try to borrow money from relatives and friends to repay, or confess to your family. There is really no way to try to negotiate repayment with the bank. It is necessary to put forward reasonable reasons and highlight the overdue period caused by force majeure, so that the negotiations can be successful.
In any case, if the credit card is overdue, you must personally repay it at the bank corresponding to the credit card. Even if you can't use the card, the repayment channel is not closed. If you give money to others for repayment, there will be great risks.
For example, when people's credit cards expire, they often give money to debt collection companies to repay them. As a result, the money was collected and not transferred to the bank. The cardholder thinks that the credit card debt has been settled, but in fact he may not be able to pay a penny, so he still collects it every day.
The above is the introduction of "how to repay the overdue credit card", hoping to help everyone.
How to repay the overdue credit card can be done in these ways.
Nowadays, many people will apply for credit cards, but after they are processed, they will have a certain validity period, after which they cannot be used. So how can I repay my credit card when it expires? Do you always pay attention to it? Let's talk about it in detail to draw your attention to this problem.
The credit card can be repaid normally after it expires, but it will affect its use after it expires. Repayment can be made through different channels, such as bank counters, online banking and third-party payment platforms. There may be a certain handling fee for returning goods using a third-party payment platform.
After the credit card expires, you should contact the bank to replace it in time. Generally, you can get a new card about 1 week, and then you can activate it. The new credit card and security code will be changed, and the transaction password and inquiry password can be reset when activated. At this time, the billing date and repayment date will not change.
If you don't want to use your credit card after it expires, you can leave it alone and don't have to cancel it after you have paid all the debts. In fact, when the credit card is about to expire, the bank will contact the cardholder in advance, and then you can decide whether to continue using this credit card according to your actual situation.
When users usually use credit cards for spending, they should not exceed their personal burden, so as to avoid not being able to repay on time after using them. If repayment is difficult, you can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount, but you need to pay a certain handling fee.
It should be noted that credit cards will be uploaded to the credit information center after overdue repayment, and personal credit information will affect the handling of various loans, such as car loans or mortgages. If the debt has not been paid off, and the amount is relatively large, then the bank will detain the cardholder and still dare not think about it after the judgment.
This is the end of the introduction about how to repay the overdue credit card, how to repay the overdue credit card and where to pay it back. I wonder if you have found the information you need?