Can I refund my credit card after it is overdue?

It's not completely irreversible. If the overdue record of credit card is caused by the following three situations, you can apply to the bank for cancellation! First, the bank is at fault. If the credit card is overdue due to the fault of the bank, you can apply for cancellation. For example, the deduction failed because of the annual fee change or the banking system problem. Second, it was stolen. If the credit card is stolen, resulting in overdue records, or the personal identity is fraudulently used by others, resulting in overdue conditions, you can also apply for cancellation. Even so, you should take good care of your personal information at ordinary times, and don't tell others about the credit card easily, especially the verification code. After being stolen, you should collect relevant evidence in time to prove that it is not your fault. Third, non-malicious overdue. Non-malicious overdue, that is, it is not caused by personal subjective reasons, perhaps because the transfer has not arrived, the repayment date has been delayed, and the automatic deduction has failed. For the overdue caused by this special reason, you can explain the reason to the bank at the first time, repay the loan in time, and ask for the elimination of bad credit records. Banks can help eliminate relevant records.

Although many people know that the consequences of overdue credit cards are very serious, some users may forget to repay or have no funds to repay, resulting in overdue credit cards. Therefore, if we have overdue credit cards, we must actively deal with the problem and try our best to bear the lighter overdue consequences. If the user's credit card is overdue because he forgot to repay, he can make the corresponding repayment immediately after finding out, and contact the credit card customer service of his bank to show his actual situation to the customer service, asking him not to report his overdue record to the credit bureau to ensure the repayment as scheduled in the later period. If the user does not have the funds to return the credit card, he can apply to the official customer service of the credit card for deferred repayment. But after the application is successful, he must repay the loan within the time stipulated by the bank. If you still can't repay the loan when it expires, you must find your family to repay it, so as not to bring serious consequences to yourself.

After the credit card is overdue, don't shirk it, don't deliberately refuse to answer the bank's collection call, or even try your best to make the bank unable to contact you. The bank will not give up to recover the arrears because it can't contact the user. Therefore, users must face the overdue credit card positively, have a good attitude and strive for lighter overdue consequences for themselves.