What should I do if my credit card charges are overdue due to SMS? Doing so can eliminate bad credit.

Credit cards don't need to be spent before they are repaid. If the SMS fee is deducted by the bank and it is not repaid on time, this situation will also lead to overdue. So, what if the credit card is overdue because of the SMS fee? Is there any way to eliminate bad credit records? Let's have a look.

Some banks send credit card transaction short messages free of charge, so that cardholders can keep abreast of credit card consumption trends. However, the SMS notification fee of some banks is not free, and it is generally deducted from the credit card according to the monthly 3 yuan fee.

So don't think that you don't have to pay back if you don't swipe your card in the month. If you are deducted from the SMS notification fee and fail to repay it in time, it will also affect your credit overdue. However, it is not the cardholder's own fault that the credit card SMS fee is overdue. In this case, you can appeal to the bank to eliminate bad records.

Specifically, you can do this:

1. Pay off the short message fee owed first. If the service is not self-service, the bank will open it by default without reminding, and you can ask the bank to reduce the fee because you have not fulfilled your notification obligation;

2. Fill in the personal credit information objection application form at the local credit information sub-center, provide valid certificates such as ID card (the second-generation ID card must be copied on both sides), and file an objection application with the credit information sub-center;

3. After accepting the objection application, the credit sub-center will contact the issuing bank for verification. If the bank feels that it can adjust the credit record, it will report the new record to the central bank for credit. After the credit information is updated, bad credit records will be eliminated.

4. Generally, there will be a reply within 15 working days from the date of objection, and the applicant can get a reply at the central bank sub-center.