Many people are using credit cards, but many people have not used them yet. What will they do?

When using credit cards, blind consumption will lead to repayment difficulties. If you can't repay in full, you can choose to repay in part or apply for repayment by installments. However, installment repayment will charge a certain fee, but you can also find an agency to repay the credit card, which also needs to pay a certain fee, but it can avoid the overdue credit card and ensure that the credit information will not be affected.

In addition, if it is estimated in advance that the credit card may not be repaid at that time, you can apply to the bank to change the bill date before the bill comes out to extend the repayment period. Of course, changing the billing date does not mean that it can be changed. Each bank has different regulations, and the specific rules can only be confirmed by consulting the bank.

When the credit card is not repaid, the bank will often agree to postpone the repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, it will not be recorded in the bad record.

The consequences of not paying off the credit card debt are very serious, so we must find ways to pay back the money quickly. Otherwise, overdue records will be left in the credit report, but negative information such as overdue repayment is not always recorded in the personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again.