If the credit card is overdue, the bank refuses to negotiate installment repayment and can only repay it according to the requirements of the bank. Generally speaking, the overdue amount of credit card is small, and the application for repayment by agreement will generally be rejected. If the overdue amount is large, you can apply for repayment through negotiation, but will the bank agree?
Mainly depends on the user's credit qualification. With good credit qualifications, banks are definitely willing to establish good relationships with quality customers. For users with poor credit qualifications, the bank will require users to repay according to the previous agreement.
Extended data:
Overdue credit cards are introduced as follows:
For example, if it is only one or two days overdue, early repayment can ensure that the payment will be paid within the grace period of credit card repayment, and it will not have any impact on credit. Credit cards generally have a repayment grace period of about 3 days. If you really haven't got up yet, don't lose contact. You should take the initiative to contact the bank, explain the situation, and negotiate with the bank to see if you can return it in installments every month.
Under normal circumstances, if you run late, the consequences will be quite serious, and you may be sued by the bank and pulled into the list of untrustworthy people by the court. If the overdue amount is large, you may go to jail.
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