"Credit card overdue repayment" refers to the situation where the credit card holder fails to repay the payment within the prescribed time when applying for a credit card, resulting in the credit card being overdue. "Credit card overdue repayment" refers to the situation where the credit card holder fails to repay the payment within the prescribed time when applying for a credit card, resulting in the credit card becoming overdue. It is useful to find a lawyer if your credit card is overdue. The lawyer can provide legal services based on actual legal matters, but attorney fees need to be paid. 2. In view of the cardholder's positive performance and good credit record in the past, the bank will often agree to defer the repayment, and will agree with the cardholder on a repayment plan acceptable to both parties, including the extension period, interest discount, and monthly repayment. Amount etc. This kind of proactive contact with the bank and deferment of repayment with the bank's consent will not be recorded in the bad record, but it should be noted that in the future, you must ensure that you repay as agreed. 3. If you accidentally forget to repay the loan, you must repay it as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If you have had a good record before and the overdue period is short, and you find that you have made good repayments after the overdue period, you may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments. 4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. In other words, bad credit records for overdue credit card repayments will be stored in the credit reporting system for two years. If the card application is terminated, the corresponding records will no longer be rolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and maintain good credit during this period. Only in this way can you rely on rolling records to eliminate bad records from the credit system.
2. What are the consequences of late repayment on a credit card? Generally speaking, if you repay a credit card overdue, you may encounter the following consequences: 1. Failure to repay in time will affect your personal credit record. This is the first If you don't pay it back after the due date, you are not keeping your promise. 2. Once there is a bad record on personal credit, it will affect future matters including various loan applications, credit card applications, and even going abroad. Isn’t that a problem that will affect the continued use of credit cards? 3. If the debt is not repaid for a long time, not only will there be high late payment fees and interest; 4. The bank may also classify part of the debt as a malicious overdraft. That is to say, after a malicious overdraft, the bank will be responsible for the long-term non-payment. The cardholder who has made the payment has the right to judicial prosecution. 5. In practice, if a credit card is overdue for more than three months or the bank has not repaid the credit card after two or more collections, the bank will freeze the card and classify it as a prohibited customer, and then the bank will file a lawsuit in court. If a credit card is overdue, it will not only affect your personal credit record, but also affect your daily life. If it is a malicious overdraft, it may also be suspected of a criminal offense. Therefore, when your credit card is overdue, you can communicate with the bank in time. Of course, you can also hire a lawyer if necessary. It is still very helpful to fight for your own interests.