信用卡逾期怎么处理方法-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	信用卡逾期怎么处理方法
释义	1、最好的办法是一次性还款偿还，信用卡逾期后，将会影响征信调查。能还的要及时还清，逾期未还的要按本金的万分之五支付逾期利息。当手头资金确实有限还不清时，也可以先偿还最低还款额，但最低还款额也按剩余金额的万分之五利率收取。 2、如果信用卡逾期，建议持卡人联系各发卡银行议付，并申请停息挂账或是分期还款，降低自己的还款压力。当然，银行并不一定同意，所以在协商时，客户必须证明自己并非恶意逾期，只是确实没有还款能力，并提供足够的信息证明，对于没有还款能力的客户，银行会酌情考虑。
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