1. What should you do if your credit card is overdue and you have no money?

1. Use the delayed service provided by the bank

If the funds are only If you are within one or two days of repayment, you can take advantage of the bank's deferred repayment service. Banks generally have a 1-3 day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank. .

2. Apply for credit card installment or minimum repayment

If you cannot afford a credit card in the short term, you can consider applying for credit card installment or repaying the minimum repayment, although these two methods require Pay a certain amount of interest to the bank, but also avoid bad credit records caused by overdue payments.

3. Effectively change the bill date

If you predict that a certain bill may not be paid by then, you can apply to the bank to change the bill date before the bill comes out, in order to extend the repayment period. . Of course, the statement date cannot be changed simply by changing it. You need to consult the bank to confirm the specific situation.

4. Ask friends or family to borrow money to make a living.

Ask friends or family to make a living. Borrow some money to pay off your credit card first, and then pay it back when you have sufficient funds.

2. Can the credit card be canceled if it is overdue?

No. After the cardholder's credit card expires, the bank will not allow the cardholder to cancel the card or cancel the account. Cardholders need to pay off their credit card bills first and confirm that there are no installment bills or other unpaid charges before they can apply for credit card cancellation or account cancellation.

If the cardholder insists on canceling the card, just cancel the card. Because after canceling or cutting the card, the cardholder still has a certain credit record with the bank. If the cardholder wants to handle other loan business with the bank in the future, it does not mean that the account is empty. If the cardholder cancels the account, then for the bank, the user is equal to a white account. It will be much more difficult to apply for other credit services.

Card cancellation refers to the cancellation of a single card, that is, the cancellation of a certain credit card in your hand. Account cancellation refers to the cancellation of the entire account, and all credit card accounts in the corresponding bank are cancelled. Once the card cancellation application is approved, it will take effect immediately. When cardholders apply for account cancellation, they generally need to wait for 45 days, and within these 45 days, they cannot use the credit card that initiated the account cancellation for any consumption. Once consumption is made, the account cancellation will fail.

If the credit card is overdue, you can change the billing date. If the credit card is overdue, you cannot cancel the account. The bank will not approve the cardholder's application. The credit card cannot be used if it is not activated. If you apply for a credit card online, after receiving the credit card, the cardholder must bring their ID card and credit card to the branch of the card-issuing bank to activate the credit card. Credit cards that have not been used for a long time can be canceled and the balance must be paid off before cancellation.