The credit card is overdue for a few days, and there is no text message for the extra penalty. Can I appeal?

If the credit card is overdue for a few days, you can't appeal without sending a text message. If the credit card is overdue for 2 days, you can appeal successfully. Call your bank and tell them that if the loan is overdue for too long, they need to pay off the loan and wait for the credit information center to update. It's no use complaining. Even if you go to the People's Supervision Committee to complain about the bank, the result will be the same. Usually you will meet customers in your situation.

Banks don't know that they meet tens of thousands of people every day. They can only blame customers for not paying attention to their credit card billing information. Many customers will use this method to say that they have not received bills or text messages, which leads to their overdue, and the bank will not agree to ask the bank to reduce interest rates, even if they complain immediately or go to the People's Supervision Commission to complain about the bank.

Even if you don't use a credit card, you should know the risk. Bank bill SMS reminder is only an auxiliary function. If the customer is angry for a while, I just won't return it. In the end, the more interest, the more banks will benefit. But if you get angry,

Negotiate a solution with the bank when the credit card is overdue.

After the credit card is overdue, if the customer wants to negotiate with the bank, he must first clarify the reasons for his overdue. He must show that he can't repay on time because he is unable to repay, and he didn't mean to fail to repay on time. It is best to provide certain information as evidence, such as the certificate of termination of labor contract, unemployment certificate, etc. If the customer still has repayment ability, the bank will probably refuse to negotiate with him.

Secondly, customers should actively express their willingness to repay. In fact, before negotiating repayment, they should try to repay it a little bit. Don't evade repayment directly, at least let the banks see that they have the idea of repayment in good faith.

Finally, the customer only needs to say that he wants to extend the repayment period and repay by installments. In addition, customers can also try to apply for payment stop, and banks will generally consider it as appropriate.

If the bank agrees, the customer can negotiate a new repayment plan with the bank, and then repay the loan in installments on time according to the new repayment plan, and it will never be overdue.