Is it serious that the postal credit card is overdue for 7 days (postal overdue for 3 days)

1. Is it serious that the postal credit card is overdue for 7 days?

Postal credit card overdue f

Is it serious that the postal credit card is overdue for 7 days (postal overdue for 3 days)

1. Is it serious that the postal credit card is overdue for 7 days?

Postal credit card overdue for 7 days belongs to short-term overdue, and the situation is not particularly serious. At this time, as long as the cardholder tries to pay off the overdue debt as soon as possible, the overdue impact can be controlled.

If the overdue time is too long, the overdue amount is too large, and it is overdue for more than three times, and the accumulated overdue time is six times, it is a long-term overdue, which has an impact on personal credit information, resulting in the inability to handle any credit business in the future. Generally, as long as it is overdue, there will be negative effects, such as bad credit records, but if we pay off the arrears as soon as possible, then credit can be restored as soon as possible.

2. What should I do if the postal credit card fails to negotiate within the time limit?

1, unable to repay needs to be explained in time: if the cardholder is unable to repay the arrears due to personal special circumstances, such as illness and unemployment, he can explain his actual situation to the Postal Savings Bank and apply for deferred repayment.

2. It is best to repay in full: The best solution to overdue postal credit cards is to pay off all the arrears in one lump sum. After full repayment, call the Postal Savings Bank to tell you that it is not malicious overdue and ask the bank to eliminate bad records.

3. Never run away: Never run away after the postal credit card expires, otherwise the bank will judge you as a malicious overdraft, and may sue the court and even bear criminal responsibility.

4. Continue to use this postal credit card: Never cancel the postal credit card after it expires. Continue to use this card for 24 months, let the new credit record cover the previous bad credit record, and then apply for a loan, which will not affect.

3. How to negotiate with the bank when the credit card is overdue?

1. Call the bank voluntarily. After the credit card is overdue, you should take the initiative to inform the bank of your overdue situation, show that you are not maliciously overdue, clarify your willingness to repay, and take the initiative to negotiate with the bank. It is very likely that a mutually acceptable way will be negotiated.

2. Apply for suspension of interest payment: If the overdue amount really exceeds the cardholder's repayment ability, the cardholder still has the willingness to repay, and can negotiate with the bank to reach personalized installment repayment, with a maximum of 60 installments, so as to reduce the cardholder's economic pressure.

The consequences of overdue credit cards are still very serious. Remind cardholders once again that when using credit cards, they must spend rationally to ensure timely repayment. Although the seven-day overdue time is not too long, the seven-day overdue interest is also a lot of money, and it will also produce bad credit and affect the normal life of individuals in the future. So, spend wisely and don't be a slave.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.