How Does A Credit Card Forget To Repay The Credit?

After the credit card has overdue repayment, it is best not to write off the credit card immediately after paying off the debt, but should stick to the card for more than two years, and maintain good credit during the period, so that the bad record can be covered from the credit information system by rolling records.

Some people do credit cards, but they are not commonly used.

After overdue repayment, we intend to use credit cards completely, or simply ignore them.

This is very wrong.

So what does credit card forget to pay? How will it affect credit? Here is the knack for giving you the answers.

First, some people have handled credit cards but are not commonly used. When credit cards happen to be overdue, they intend not to use credit cards completely, or simply ignore them.

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If there is no repayment, there will be an overdue repayment every month, that is, a bad credit record will be recorded every month.

No repayment for more than a month, and more likely to be prosecuted by a bank. If a malicious debt is found, the credit record is even worse, and the amount of arrears will be further delayed.

Two, if credit card is overdue, the credit card center of the issuing bank will collect it.

Some people, because of ignorance and arrogance, not only do not repay, but also change their address and cell phone to contact them.

When you apply for a credit card, your real name information has been recorded by the bank. Once you are on the run, the bank will identify you with malicious overdraft and arrears, and it will call the police. The police will list you as wanted.

Three, as a credit card holder, what happens if there is no time to repay due to unemployment, illness or other accidents?

In this case, before the final repayment period arrives, the cardholder must contact the bank credit card center to make a phone call, state his financial situation, declare that he is not malicious debt, and apply for delayed repayment and interest discount.

In view of the cardholder's initiative and good performance before the bank

It will often agree to postpone repayment, and will agree with the cardholder on the repayment schedule, delay period, interest discount and monthly repayment amount acceptable to both sides.

In this way, through active connections, and after the bank agrees to postpone repayment, there will be no bad records. However, it should be noted that future repayment is guaranteed.

Four, usually careless forget the repayment of what to do?

Then, after overdue, we must repay as soon as possible, preferably with full repayment.

At the same time, call the credit card center of the bank to explain the non malicious arrears.

If a good record has been made before and after a short period of time, if the repayment is good after the overdue period, it may not be recorded.

In the future, we must not be careless. We must pay attention to the bank's bill notification and collection information to avoid overdue.