If the credit card limit is still not enough after the limit is reduced, you can take the following methods:

1. If it is overdue, the customer can proactively contact the bank for negotiation and inform the bank that he currently does not have the credit limit. Ability to repay, and provide corresponding supporting information (for example, if you are unemployed at home, you can provide unemployment certificate, proof of termination of labor contract), and then express your personal willingness to actively repay, and submit an application for suspension of interest rates and deferred repayment. The bank will consider it as appropriate. of.

2. If it is not overdue, the customer can apply for bill installment before the repayment date, and then repay the bill in installments every month; if it is only a short-term shortage of funds and the bill arrears is not large, then the customer can still repay the bill in installments. You can choose the minimum repayment, and when the funds are sufficient, you can quickly pay back the remaining balance.

3. Customers can also directly borrow money from relatives and friends to repay it, especially if they negotiate with the bank after the due date, but the bank does not agree, and they really cannot raise funds, they can take this approach. One method. Pay off your credit card first, and then when you have some extra money, you can pay it back to your relatives and friends.

1. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed. It is said that one day, American businessman Frank McNamara was entertaining guests at a hotel in New York. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring cash to the hotel to settle the bill. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases. This kind of credit card that does not require bank processing is still a commercial credit card.

2. The word "credit card" originally refers to the financial product introduced in this post. However, because there were no credit cards in China before, or even debit cards without any credit card functions became very popular. Therefore, real credit cards can only be given the nondescript name of "credit card". A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), and joins VISA, MASTER, JCB and other international credit card organizations to benefit the world. Universal.

3. Credit card Another way of saying this is that a credit card is a non-cash payment method and is a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.