First, get in touch with the credit card center in time, explain the reasons for overdue, apply to the credit card center for negotiated repayment, and then wait for the processing result of the credit card center. If the settlement is successful, repayment can be made according to the negotiation results. If the treatment fails, repayment shall be made according to the original repayment plan.

If ICBC prepays for less than one year, 5% of the prepayment amount will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.

If the loan from the Bank of China is repaid in advance for less than one year, a penalty of no more than six months' interest will be charged (calculated according to the loan interest rate on the prepayment date). If the loan is repaid in advance after one year, no penalty will be charged.

According to the regulations of Bank of Communications, the minimum repayment amount in advance shall not be less than 6 times of the monthly repayment amount and the maximum repayment amount shall not exceed 35% of the monthly repayment amount. Some prepayments can be paid once a year for free. All prepayments are subject to liquidated damages, and 65438+ 0% of the current repayment amount is charged. However, the specific repayment amount needs to be implemented in accordance with the contract.

If the loan repayment of Guangfa Bank is less than one year in advance, two months' interest will be charged as liquidated damages. Repay the loan in advance after one year without any penalty.

If the loan of China Everbright Bank is repaid in advance for less than one year, 3%~6% interest will be charged as liquidated damages, which shall be implemented in accordance with the contract. Repay the loan in advance after one year without any penalty.

If Shanghai Pudong Development Bank prepays for less than one year, it will be charged at different interest rates of 1.5% or 3%, and if there is no liquidated damages, it will be charged according to the contract. Repay the loan in advance after one year without any penalty.

Generally speaking, development banks can apply for early repayment after repayment for more than two years, and the specific situation needs to be implemented in accordance with the contract at that time. If the prepayment is less than two years, it is necessary to pay the liquidated damages agreed upon when signing the contract. If there is no agreement, there is no charge.