As we all know, overdue credit card repayments are usually caused by excessive consumption. In order to reduce this situation, most banks provide users with a repayment grace period when cardholders repay credit card borrowings. Now there is Overdue means that the cardholder's spending power is greater than his or her repayment ability. Next, the editor of Jintou will introduce how long it takes to recover from a blacklisted credit card

For blacklisted credit cards due to expiration, repayment takes three months, and you can apply for unfreezing The credit card continues to be used. Cardholders who have not paid off within 3 months cannot unfreeze and apply for a credit card again after 5 years of repaying the debt. In some serious cases, it can be postponed to 10 years to clear, and the bad credit record can be recorded as personal expropriation and cannot be made. Credit cards from other banks.

In general, when we encounter difficulties in repaying credit cards, we can choose installment repayment or minimum repayment. Both of these repayment methods can effectively reduce our Repayment pressure. When choosing to repay in installments, different banks will provide different installment numbers, and users can choose according to their actual situation.