The credit card is overdue for three months, and now the bank calls me to wait for the notice and temporarily stop paying the credit card. What is this?

1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other accidents, the cardholder should take the initiative to call the bank credit card center to make a statement before the deadline for repayment comes.

Your own financial situation, declare that you have no malicious default, and apply for deferred repayment and interest concessions.

2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest discount, monthly repayment amount, etc.

In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center and declare the non-malicious arrears. If the previous record is good,

And the overdue time is short, and it is found that the repayment situation after the overdue is good, which may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will no longer be available.

Scroll, but keep it for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, and maintain a good credit during this period, so that you can.

By rolling records, bad records are removed from the credit information system.

In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses that you can't handle, and car loans, mortgages and commercial loans can't get through. Therefore, it is necessary to develop a good habit of using credit cards and learn more about them.

Get ready for the solution in the future!