General banks do not allow limit increases for overdue credit cards. However, as long as you repay in time and maintain a good repayment record for six months, you can reapply for a credit limit increase.

If your credit card is overdue and you want to raise the limit, you can follow the following methods:

1. Pay off the balance as soon as possible. If your credit card is overdue, the cardholder must pay it off as soon as possible. Arrears. If you fail to pay off even the minimum repayment for three consecutive months, you will be blacklisted by the bank, and you can basically say goodbye to banking business from now on.

2. Persist in swiping more and repaying more. Cardholders must not blindly cancel their credit cards after they are overdue. They must continue to use them, swipe more and repay more. Even 10 yuan can be swiped, and the total amount will be accumulated. With a good credit record, it’s only a matter of time before your credit limit is raised.

3. Apply for an increase in the temporary limit if you need money urgently. If you need money urgently, you can call the bank customer service to apply for an increase in the temporary limit. The temporary limit needs to be paid off in one go on the next repayment date. In order to avoid causing financial burden, Cardholders should make careful decisions.

Overdue is a Chinese word, pronounced yúqī, which means that the repayment time is exceeded. It generally refers to banks, loan companies, etc. Overdue interest and credit citation will accrue, and in serious cases, you may be sued by the court or imprisoned.

Exceed the prescribed time limit, such as: overdue violation, three days overdue. As long as one day exceeds the deadline, it is overdue.

Being overdue on a credit card does not mean that you will not pay back the last payment date, but that it will be considered overdue if you do not pay back the bill on the next month. Failure to repay overdue payments will affect your credit score and incur liquidated damages and interest. In serious cases, you will be sued by the court and imprisoned.

Baidu Encyclopedia_Overdue