Credit card , which is very common in the world, is used more than many countries in our country. Since we use credit cards so much, we can fall into this trap and have problems in payments. The higher our card expenses , the higher our monthly payment burden and the higher the probability of having problems with payments. So how do I postpone my credit card payment? What should be considered when postponing payment?
At this point, we must pay attention to the credit card payment day certainly not to spend. If the credit exceeds your card payment deadline in this case it will have a negative effect on your credit record and will drop the note. For this reason, additional operations such as payment elimination and statement elimination will be activated.
You can also hold your card payments until the last day . However, this will be a risky option in situations that prevent you from paying due to technical problems that may occur during your payment. It would make more sense to make your payments 1 day before the last day.
Credit Card Payment Postponement How?
Credit Card Payment Before you can postpone , you should be familiar with all of your card’s debt information. If you are not in a position to pay the full amount, you can find out the minimum payment amount and minimum payment rates for your card. Paying the minimum amount will also be deferred to your debt for that month, so we can give this process as an example.
If you’re having trouble paying the minimum amount, it’s a good idea to check out the skip options. Because, if you cannot pay the minimum payment amount, your registry will be affected negatively and future transactions will be in trouble.
If you are using internet banking first , you can find the option to skip statement on the relevant credit card’s payment screen from the credit cards menu and follow these steps. Transactions made through internet banking do not differ and operate in the same way as the branch. When you continue on this screen, there will be a lot of information including how much you will pay and how much interest will be reflected in next month. You can make your decision on the next screen.
If you do not use the Internet banking product
you can also go directly to the branch. Your branch may not accept it first and may ask for your payment. Some credit cards do not have the feature to skip the statement, but your branch may refuse, but it is useful to insist.
To give an example credit card fees and any costs are usually unsecured credit card statement does not contain the skip feature. You can find out if this feature is available from your telephone banking and branches.