Credit card overdue, keep in mind these few tricks to remedy!

Credit card bills in daily life are a big burden for people who are under financial pressure. If you forget to repay, you will not only have to pay overdue interest, late fees, overruns, but also bad credit records.

Once a bad credit record is generated, it will have a great impact on future mortgages, car loans, personal business loans, and even schooling and employment. How to eliminate bad credit card records?

Let me give you a popular science today.

The most important but the easiest to encounter - credit card overdue issues,

Once a credit card is overdue, it will leave a "credit smear" on the PBOC's credit history record, affecting the handling of other credit business. Xiaobian knows that it is not easy for you to make money hard, so you should cherish your credit.

For several common overdue situations, Xiaobian will answer them one by one.

1

Some people do credit cards but they are not commonly used. When credit cards are overdue, they plan to use credit cards completely, and they will not repay them.

This practice is very wrong! If you don't pay back, you will get a monthly overdue payment, which means you will get a bad credit record every month. If you don't repay for several months, you are more likely to be sued by the bank. If you are convicted of malicious arrears, the credit record will be worse, and the amount of the arrears will be more and more serious, and you will be sentenced to a fine.

2

What should I do if I neglect to forget the repayment?

After the discovery is overdue, you must repay the loan as soon as possible, preferably in full repayment. At the same time, call the bank credit card center to affirm the non-malicious arrears.

If the record has been good in the past and the overdue time is short, and it is found that the payment is good after the overdue period, it may not be recorded as a bad record. In the future, you should not be careless. Be sure to pay attention to the bank's billing notice and collection information to avoid overdue.

3

By changing the address and mobile phone and other contact methods to "run the road", so that the bank can not contact themselves?

This practice is also unacceptable. When you apply for a credit card, your real name information has already been recorded by the bank. Once you "run the road", the bank will determine that you are maliciously overdrawn and owed, and the police will list you as a wanted criminal.

4

What should I do if I am unable to pay back on time due to unemployment, illness or other accidents?

In this case, before the final repayment period, the cardholder must contact the bank credit card center to make a phone call, state his or her financial situation, affirm that he is not maliciously arrears, and apply for late repayment and interest discount.

In view of the cardholder's proactive performance and the previous good credit history, the bank will often agree to postponed the repayment, and will agree with the cardholder to agree on the repayment plan, delay period, interest discount, monthly repayment amount, etc. In this case, through active contact and after the bank agrees to postpone the repayment, the bad record will not be recorded, but it should be noted that the future guarantee will be repaid according to the agreement.

Important 2 points to look seriously:

(1) Credit card repayment information will be recorded by the central bank's credit reporting system for 24 months.

If the card is terminated, the corresponding record is no longer scrolled, but is saved for a long time. Therefore, after the credit card has been overdue, it is best not to cancel the credit card and immediately cancel the credit card, but should insist on using the card for more than two years, and the credit during the retention period is good, so that the bad record can be recorded from the credit record by rolling records. Removed from the system.

(2) Many banks can repay the service “time tolerance”, which can be up to three days late, and can be repaid on time.

There are quite a few banks open for this service, and the details are slightly different. Some banks of these services are automatically provided, and the cardholders need to apply on their own initiative. Therefore, if the cardholder does not have time to repay the loan, he or she will quickly contact the card-issuing bank to determine the enjoyment of the above-mentioned services, so as to avoid negative records due to inadvertent overdue.

At last:

Xiao Bian offers the above methods, it is really overdue to everyone to remedy, the most important thing is to pay attention to the card to avoid overdue, clear the billing date, repayment date, repayment amount of each card, custom alarm clock Or remind me of the account.