Can I go to the bank to negotiate repayment if my credit card is overdue?

If the credit card is overdue, the user should repay the card issuer in time. Credit card overdue repayment methods are as follows:

1, within the issuer: including the issuer's counter, ATM, online banking, automatic transfer, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer and remittance repayment: mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

3. Online repayment: Common online platforms in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

4. Convenience store repayment: This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

5. Counter repayment: Counter refers to the current RMB deposit and withdrawal transactions of bank cards issued by various networked financial institutions through counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

6. Payment by Xinfutong: Xinfutong smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.

Extended data:

I. Impact of overdue credit cards:

1. If the credit card fails to repay on time, there will be a penalty, which is generally the minimum repayment amount, 5% of the unpaid part.

2. If the credit card fails to repay on time, it will generate high interest, and it is rolling interest. In the case of more debts, interest will be high.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Two. Precautions for overdue credit cards:

Cardholders should pay special attention to the last repayment date of credit cards. The last repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free. Overdue, all consumption funds will no longer enjoy interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest every month and a late fee.

Credit card late fee means that when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount, the cardholder needs to pay late fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount set is not the same.

People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up the use of credit cards and go through the formalities of card withdrawal in time. Otherwise, the expenditure of credit cards and the interest and late payment fees generated in the later period will lead to personal economic losses and credit reduction, which will affect mortgage and car loans.