After the Bank of China credit card is overdue, if the customer cannot pay it off temporarily, he can contact the bank's customer service to negotiate, and then try to extend the repayment period and repay the debt in installments. As long as the customer is not overdue intentionally but does not have the ability to repay, Bank of China will generally consider it as appropriate. If the bank finally agrees, the customer can negotiate with customer service about the number of installments, formulate a new repayment plan, and then repay the balance on time and in installments according to the new repayment plan.

In addition to negotiating extensions and installments, customers can also try to apply for a suspension of interest payments. In fact, if customers find that they cannot repay their bills in advance, they should apply for bill installments in advance on the repayment date to slow down the repayment pressure and avoid overdue payments; or pay the minimum amount on the bill first.

It should also be noted that even if the repayment cannot be made before the repayment date (inclusive), Bank of China also provides a repayment grace period. As long as the repayment can be made within the grace period, it will be regarded as normal repayment. Payment will not be considered overdue.

How long will it take for your credit report to be restored after a credit card is overdue?

It will take five years to recover. Because according to Article 16 of the "Regulations on the Administration of the Credit Reporting Industry", "The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of the bad behavior or event. If it exceeds 5 years, it should be deleted." That is to say. It said that after 5 years of paying off the debt, the previous bad credit record will be deleted. Some people think that if a credit card is canceled after overdue repayment, the credit record will disappear. In fact, the repayment record of this card will not disappear from the credit due to the cancellation of the credit card. The credit report will also record the usage of the card in the 5 years before the cancellation. The repayment record in the card will not disappear from the credit report because the card is cancelled. The credit report will also record the usage of the card in the 5 years before the card is cancelled.