(1) Every bank can set a minimum repayment amount for credit card holders, as long as the cardholders can repay according to the minimum repayment amount, so that the bank will neither deduct the tax late fee nor affect personal credit information.

(2) Generally speaking, this minimum repayment amount is 10% of the detailed amount of income and expenditure. In other words, if you spent more than 1 ,000 last month, and you don't have enough money in hand this month because of layoffs or other reasons, you just need to spend less than 1 ,000.

(3) However, it should be noted that if you repay with the minimum repayment amount, you will be charged 0.5 ‰ interest every day, although you can't deduct the tax late fee. This loan interest is also a lot, so the lender had better repay all his income and expenditure details as soon as possible.

2. Actively negotiate with banks.

(1) If the cardholder can't even pay the minimum repayment amount 10%, then don't choose to escape, that is, change the address and mobile phone so that the bank can't be contacted. This method is the worst emotional adjustment.

(2) Remember that personal information and credit status will be displayed in the central bank's personal credit information system from the day you apply for a credit card.

3. credit card installment payment

If the cardholder is temporarily unable to repay the arrears in one lump sum, the cardholder can pay the bank statement in installments and repay the arrears in installments.

What are the bad effects of credit card payment? 1, high interest and tax late fees.

(1) If the credit card is not repaid, the cardholder does not enjoy the interest-free period of credit card repayment, and can gradually charge five ten thousandths of daily interest from the trading day, and calculate the compound interest on a monthly basis. If tens of thousands of dollars are in arrears for less than a few days, it will cause thousands of dollars in loan interest. The longer the time, the greater the loan interest.

(2) If the interest-free period of credit card repayment is not fulfilled, the bank will deduct the tax late fee from the credit card holder, accounting for 5% of the unpaid minimum repayment amount. If it exceeds a certain time, the bank will allow the cardholder to deduct higher overdue interest.

2. My bad credit record

How important is your personal credit record? You only need to apply for a credit card or loan. Once the personal credit record is stained, it is basically difficult to apply for a credit card. This is not the most troublesome. Worst of all, if you want to buy a house with a bad credit record, the mortgage amount will be many years higher than others. If loans overdue is strict, even if you want to spend less annual interest, banks will not lend.

3. The credit card has been stopped.

If the credit card does not pay back the money, the bank will take back the personal credit of the recycling system to the cardholder, and the credit card will be deactivated. The bank will think that the cardholder has a high risk of repaying the loan, and then will terminate the credit card application. At the same time, it will ask the cardholder for arrears. If the bank still fails to pay back the money after asking for credit card arrears, the bank can apply for bidding for other fixed assets of the cardholder.

Credit card overdraft in advance, overdue, must be overcome by reasonable and legal means. For example, if a long-term credit card loan is overdue, it should be discussed with the bank immediately, and then repaid in installments or according to the minimum credit limit for repayment. Naturally, no matter which way you use, you should pay attention to prevent your personal credit information from being affected to a certain extent.

What if the online loan is sued? 1, high interest and tax late fees

(1) If the credit card is not repaid, the cardholder does not enjoy the interest-free period of credit card repayment, and can gradually charge five ten thousandths of daily interest from the trading day, and calculate the compound interest on a monthly basis. If tens of thousands of dollars are in arrears for less than a few days, it will cause thousands of dollars in loan interest. The longer the time, the greater the loan interest.

(2) If the interest-free period of credit card repayment is not fulfilled, the bank will deduct the tax late fee from the credit card holder, accounting for 5% of the unpaid minimum repayment amount. If it exceeds a certain time, the bank will allow the cardholder to deduct higher overdue interest.

2. My bad credit record

How important is your personal credit record? You only need to apply for a credit card or loan. Once the personal credit record is stained, it is basically difficult to apply for a credit card. This is not the most troublesome. Worst of all, if you want to buy a house with a bad credit record, the mortgage amount will be many years higher than others. If loans overdue is strict, even if you want to spend less annual interest, banks will not lend.

3. The credit card has been stopped.

If the credit card does not pay back the money, the bank will take back the personal credit of the recycling system to the cardholder, and the credit card will be deactivated. The bank will think that the cardholder has a high risk of repaying the loan, and then will terminate the credit card application. At the same time, it will ask the cardholder for arrears. If the bank still fails to pay back the money after asking for credit card arrears, the bank can apply for bidding for other fixed assets of the cardholder.

Credit card overdraft in advance, overdue, must be overcome by reasonable and legal means. For example, if a long-term credit card loan is overdue, it should be discussed with the bank immediately, and then repaid in installments or according to the minimum credit limit for repayment. Naturally, no matter which way you use, you should pay attention to prevent your personal credit information from being affected to a certain extent.