Will the credit card send a message to remind you when it is overdue?

There are usually reminders when credit cards are overdue.

In fact, before the credit card is about to expire, banks usually send text messages to remind them to repay as soon as possible, so as not to miss the repayment deadline and cause overdue.

After the credit card is overdue, if the debt has not been paid off, the bank may also send a text message or call to remind it to pay off the debt, so as to avoid the overdue time being too long and causing serious adverse consequences.

When you receive the repayment reminder from the bank, you should repay as soon as possible. However, if it is not available for a while, you can also take the initiative to contact the bank to negotiate and see if you can extend the time limit and repay the loan in installments.

If the bank allows, it can negotiate a new repayment plan with the bank and repay on time according to the new repayment period; If the bank refuses, there is only one other way. You can try to borrow money from friends and relatives around you to pay back your credit card. When the credit card is paid off and you have enough funds in your hand, you can return the money to your relatives and friends.

In fact, if you find that you can't pay off on time before the due repayment date, you can choose to pay the minimum repayment amount first and then pay it slowly later; Or directly handle the bill installment.

But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: Xiaoqi Credit Information can inquire about your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.

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Will I be reminded of any overdue credit records?

If there is a credit overdue record, the overdue person will not be reminded. If there is overdue, the People's Bank of China will not send a message to remind the user himself. That is to say, after a user borrows money or uses a credit card, even if the overdue record is reported to PBOC by the borrowing institution, it will not be reminded. Users can make their own inquiries through official website, Credit Information Center of China People's Bank, and each person can make inquiries twice a year for free.