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Strict handling of overdue credit cards: prompt by SMS within one week, and collect by phone after one cycle; Over two cycle door-to-door call. If the overdue period exceeds three months, the bank has the right to appeal to the law. The overdue impact includes paying high interest (annual interest rate is about 18%) and late fees (such as 5% of CMB), which are recorded in the personal credit report, affecting subsequent credit card applications or loans, and may be reduced, increased interest or even refused to lend. #Financial insurance 1000 readings -
When the credit card is overdue, interest suspension is a recommended solution. However, it is necessary to apply as soon as possible, otherwise it will be charged with high interest, which may lead to interest accumulation and legal proceedings. If you are not familiar with the handling process, you should seek professional or legal assistance in time to avoid being included in the blacklist of dishonesty. #Financial insurance 1308 readings -
China Merchants Bank has taken compulsory measures to close the overdue goods account, and the recovery authority is limited. Long overdue period and large amount may lead to account freezing. If the card holder is overdue, he/she should actively respond, otherwise his/her credit will be damaged. A good repayment record of five years overdue can eliminate the bad record, but the new overdue will restart the timing. It is suggested that the cardholder should keep good repayment habits in the recent two years to dilute the historical bad records. #Financial insurance 1497 readings -
Although the bank is unable to freeze the WeChat change to deal with the overdue credit card, it may affect the use of the credit card. Users can continue to use WeChat services after they know it, but the credit card function is limited. In case of economic pressure, you should actively negotiate with the bank for repayment, and the bank will evaluate the materials and develop a repayment plan. If the negotiation fails, it shall be implemented according to the bank's collection. Overdue repayment will lead to credit damage and affect credit rating, so it is recommended to repay as soon as possible to repair credit. #Financial insurance 922 readings
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Re apply for CCB credit card within three days, and different card types will not affect the approval; Only one of the same category can be issued. The approval time varies according to the application method: it may take 10 to 5 working days for the official website or existing card users to apply, 1-2 weeks for mobile banking, and 20-25 days for outlets to fill in the form. Applications that have been verified by online bank shield can be completed within 5 days. Please log in the "Credit Card Service Hall" on the official website of China Construction Bank to check the progress. If you have any questions, please feel free to consult. #Financial insurance 1090 readings -
In case of credit card arrears, timely communicate with the bank, honestly state the difficulties, and apply for deferred repayment. Try to use stable assets as collateral adjustment plan. If the debt is beyond the bearing range and the bank does not provide assistance, it is necessary to actively seek other solutions to avoid legal disputes. The repayment period shall be agreed or handled in accordance with the law to protect their own rights and interests. #Financial insurance 1098 readings -
The credit card of China Merchants Bank provides a 3 day grace period for repayment, which is counted as repayment on time. Keep good repayment habits to avoid overdue payments. Full repayment of consumption can enjoy a free discount period; If it is overdue, the interest will be calculated from the bookkeeping day, 5/10000 per day, until it is paid off. There is no preferential period for cash advance, and the interest is calculated on the day of withdrawal, 5/10000 per day, compounded monthly, and all of them must be returned. It is recommended to make full repayment on time to avoid additional costs. #Financial insurance 1212 readings -
Please note that due to laws, regulations and security reasons, it is usually impossible for anyone other than me to handle the card as an agent. This is the banking industry standard. To apply for a credit card, you must be at least 18 years old and not more than 65 years old, and provide your local household registration or residence certificate; Must have a stable job and source of income, no bad credit record, and good credit investigation. If applying for a supplementary card, the cardholder must be a direct family member, and the age limit is 16 to 25 years old. Please refer to the official regulations of each bank for specific conditions. #Financial insurance 1431 readings
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