Industrial Credit Card Overdue Negotiation Repayment Process

Credit card users of Industrial Bank can call the customer service number on the back of the credit card and contact the customer service of Industrial Bank to negotiate repayment. Credit card users need to explain the reasons for overdue to customer service, and handle related business as required after negotiating repayment. After the application is approved, credit card users can repay directly according to the agreed repayment method.

If the telephone negotiation repayment is unsuccessful, the credit card user needs to bring his bank card, personal identification certificate and information proving that he is unable to repay at present to the counter of the issuing bank for negotiation repayment.

Quota:

What is the credit card limit? At present, there is no explicit provision, and the provisions of various banks are not completely consistent, but there will be a general scope. For example, the general card is 3000-8000, and the gold card is 8000- 1W, which is just the general application scope of credit card limit. The specific situation depends on the amount after getting the card.

If you want to adjust the quota, just apply directly! Of course, this requires you to use the card for a while, and there is no bad record. I currently use a wide card, which I feel is more convenient. If you want to increase the limit, just send a text message XLT+ the last four digits of the card+adjust the amount to 95508, about 3 seconds!

Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales and stimulate social demand. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.

Precautions for credit card use:

1, pay attention to consumption

In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.

2. Pay attention to quotas

Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.

3. Inquire about credit information

If the cardholder has met the conditions for withdrawing cash from the credit card, it is best to check the personal credit first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of cash withdrawal.