Is the credit card access information true?

Credit card access information is true.

The specific methods for handling access are as follows:

1, don't avoid the collection staff: if the bank collection staff comes to collect money, if the collection staff has a good attitude, don't have unnecessary conflicts with the collection staff, and don't play "missing", because as long as the repayment is made as usual every month after the deadline, there is nothing to worry about;

2. Negotiate repayment with the bank _ If an individual has financial problems and can't repay in full, he can negotiate repayment with the bank and ask the bank to extend the repayment period or reduce the interest, but he must not avoid the bank's collection, so the credit card interest will only increase.

Overdue credit cards will have the following effects:

1, penalty interest for overdue credit card;

2. overdue interest;

3. Bad credit record;

4. Criminal responsibility for malicious overdraft;

5. Credit card overdue repayment records will be recorded in the central bank's credit information system, resulting in bad credit records;

6. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks.

Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.