1. How to operate a credit card refund?

1. First of all, when you want to refund the interest on your credit card, you need to know whether your situation meets the requirements. For example, due to a breach of contract due to force majeure, the unpaid overdraft amount is charged with compound interest and related service management fees, and the interest can be demanded to be returned.

2. Call the credit card center first and apply for refund of credit card penalty. If the bank doesn't agree, you can call the bank or complain at the CBRC, and the overcharged interest can definitely be refunded. Because of excess interest, liquidated damages, penalty interest, etc. If they exceed the red line, they can't get legal support and can complain back.

3. To sum up, you can also appeal against the liquidated damages caused by the inaction of the issuing bank or the fault of the bank, including the liquidated damages caused by special circumstances. For example: accidents, stolen brushes, etc. Unreasonable expenses can be refunded.

Second, how to calculate the overdue interest of credit cards?

After the credit card is overdue, there will be two kinds of expenses: overdue interest and liquidated damages.

First, overdue interest. After the cardholder overdraws by credit card, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the overdraft fee is not paid off after the interest-free period, it will generate cyclic interest. Under normal circumstances, the circulating daily interest rate is as high as five ten thousandths, and the annual interest rate is 18%, which is still relatively high.

Second, liquidated damages. In the early days, the overdue charges of credit cards were mainly late fees. Later, according to the policy adjustment, liquidated damages replaced late fees. At present, most banks set the standard of liquidated damages as 5% of the unpaid part of the minimum repayment amount, which is consistent with the previous standard of late payment.

On the whole, the consequences of overdue credit cards are mainly manifested in three aspects: first, high overdue interest, second, leaving a credit stain in the credit information system, and third, possibly causing legal disputes.

Therefore, after the credit card is overdue, you must repay it first to avoid causing greater losses. For the situation that has affected the credit information, do not cancel the card, insist on using it and maintain a good credit record.

3. What if the credit card is overdue?

If your credit card is overdue, it's not intentional. There's no need to panic. First of all, most banks have a repayment period, as long as overdue bills are returned at an appropriate time. Don't worry if you repay after the grace period. You can call the bank, tell it, explain to the bank that you didn't mean to be overdue, show your sincere attitude, and pay the bill in full after obtaining the consent of the bank.

After the credit card is overdue, you should pay attention to the following three points:

First, pay back all the money you owe.

The longer the overdue period, the more penalty interest will be generated, and legal liability will be borne if it exceeds three months.

Second, the phone of the bank must be answered.

If you don't answer the phone, the bank will think that it is deliberately overdue, maybe it will run away, and it will be regarded as a malicious overdraft.

Third, continue to use credit cards and repay on time.

Personal credit information with overdue records shall be kept for five years. In the meantime, you need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue record.