"The credit card available is not enough, please change the other payment method!"
Has anyone received such a message?
Obviously, the credit card quota has basically been overdrawn, which is to explode. Ever since I started my credit card, I have never returned on the road of buying, buying, and buying.
What happens to a credit card?
When your overdraft limit exceeds the credit limit, it will exceed the limit, and some banks will have an overrun fee. Some banks offer temporary lines, but temporary lines require extra attention.
The temporary quota can be applied by itself, or it may be an adjustment of the bank's holidays. It is different from the fixed amount and has its own separate validity period. Under normal circumstances, it does not support the minimum repayment and billing period, so it needs to be paid off in one lump sum to avoid other expenses.
Credit card credits may be adjusted, but the most important issue is repayment. Whether it can guarantee timely and full repayment after the explosion, otherwise the cost will be more.
After the explosion, it must be repaid in time.
If you only pay for the credit card for a while, it will be miserable after the bill is issued. If you can't pay back on time, the consequences are still very serious.
Affecting credit information. First of all, it will affect the personal credit. Some people say that I have been overdue for a day or two, and it has not affected the credit. Yes, if it is a special case, I forgot to repay it, explain it clearly to the bank, and generally there is no problem. of. Most banks, by themselves, will also provide a service with tolerance.
Pay more money. In addition to affecting the credit information, you have to pay more interest, and this part of the interest is relatively high, I believe the card friends understand.
be accused. If you are not afraid of blacklisting, don't be afraid of interest, or don't plan to pay back, you have to face the problem of being sued. Taking a bet on your own credit will ultimately not pay off.
Self-rescue method after brushing
Credit cards are not necessarily responsible for the consequences, in addition to repaying huge overdraft payments and interest, but also bear legal responsibility. Therefore, some card friends will give up on their own, and feel that they are not owed so much anyway, let it go.
But you have to know the credit line, as the name suggests, stems from your "credit", the bank gives you the amount of repayment after the first consumption. And if you abuse the quota, malicious overdraft, this is ultimately a loss.
If you have fallen and the credit card is not available, then you must look for a solution, instead of waiting for it, we will put it later.
Maybe you can't pay back your brother's money, owe your colleague's money, and change your job to play "missing". If you owe money to the bank and still play "missing", it will not solve the problem, but it will be even worse.
Method 1: Negotiate with the bank
According to the laws of our country, it can be characterized as a malicious overdraft by the bank's two collections in March. Therefore, even if you don't have money, don't pick up the bank phone. It is the best policy to discuss the solution with the bank.
Method 2: Reimbursement of the minimum repayment amount
If you can't repay the full amount in this period, you can also choose to repay the minimum repayment amount, but there will be interest, but it is more cost-effective than credit.
Method 3: Apply for billing
In addition to the minimum repayment method, the most commonly used is the billing period, the longest can be divided into 24 periods, that is, two years. However, similar to the above method, there will be a handling fee, but it will not affect the personal credit information, but also a way to save the emergency.
It should be noted that it is not recommended to repay the loan in advance after the instalment, because the handling fee is taken care of.
Method 4: Modify the billing date
This method is not applicable to all banks. Modifying the billing date before the bill is issued is equivalent to extending the interest-free period in disguise. The advantage of this method is that it does not incur extra costs, but the scope of application is limited. It is recommended to consult the bank in advance.
Method five: borrow money
If even the minimum repayment amount and the installment amount are not enough, you can only borrow a part to solve the most basic repayment. Show your attitude to relatives and friends, make a repayment plan, and gain the trust of your friends (this shows the importance of the word credit).
Method six: stop the account
According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, you can reach a personalized repayment agreement with the bank for up to 5 years! It is 60 issues! However, do not do this when you have the ability to repay your credit card bill!
Method 7: Use a POS machine to raise a card
If you have a pos machine, you can use 10% of the funds and complete the bill. Of course, there are also some middle-selling skills, and how to choose a safe and reliable POS product is also very important.
As a cardholder, if you do not appear once in a while, you can understand that some friends are willing to help. But if it is for a long time, then it is really necessary to think about the reasons for the embarrassing situation. Xiaobian reminds card friends that they must use cards rationally, consume within their capabilities, and cherish their credit.
Ningbo XISXI E-commerce Co., Ltd , https://www.petspetskitty.com