The new policy of credit card inability to repay in 2022 is reflected in the following five points.

First, you can apply for an interest-free period. According to the old regulations, the longest interest-free period for credit card applications can only be 60 days and the shortest is 25 days. However, in the new regulations in 2022, the interest-free period can be changed according to the actual situation.

Second, the minimum repayment amount can be made. Cardholders can negotiate a minimum repayment amount acceptable to both parties with the bank according to their own situation.

Third, the overdraft interest rate range can be modified. In the new regulations, the overdraft rate is changed to between 0.035% and 0.05%.

Fourth, sentencing standards. In the new regulations in 2022, the sentencing standard for credit card arrears was raised to 50,000 yuan.

Fifth, cancel the late payment fee. In the new regulations, the late payment fee will be changed to liquidated damages, and 5% of the minimum repayment amount will be refunded.

Sixth, courtesy collection. Even if the cardholder has overdue behavior, the bank can only control the collection of users to one or two calls a day. There can be no violent collection.

2. What are the ways to deal with overdue credit cards?

There are two ways to deal with overdue credit cards.

First, repayment by installments. If the amount owed is relatively high and the cardholder's financial ability is poor, he can choose to repay by installments and divide a whole bill into multiple installments. If you have difficulties, you can also apply for personalized installment repayment.

Second, the minimum repayment amount. If the cardholder can't repay in full and on time in a short time, then he can choose the minimum repayment amount, so as to avoid being collected by the bank and being sued. Wait until your own funds are in place, and then pay back all the arrears.

3. What should I do if my credit card is really out of money after it is overdue?

After the credit card is overdue, if you really have no money, you can negotiate with the bank to stop paying.

No matter who you owe money to, you have to pay it back after all, not to mention the money you owe to the bank. When you get to the bank, you'd better negotiate the installment yourself. You can explain your difficulties to the bank staff, and then say that it is not malicious overdue, and provide relevant supporting materials to apply for personalized installment repayment.

If all the information you provide is true and meets the requirements of personalized installment repayment, then the bank will sign a new agreement with you, which can be divided into 60 installments at the longest, and will stop the growth of interest and gradually repay the loan one day.