{"id":999975584,"date":"2025-06-13T14:57:04","date_gmt":"2025-06-13T07:57:04","guid":{"rendered":"https:\/\/bizzi.vn\/?p=999975584"},"modified":"2026-06-07T16:46:12","modified_gmt":"2026-06-07T09:46:12","slug":"what-is-expired-issues-to-know-and-effective-management-solutions","status":"publish","type":"post","link":"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/","title":{"rendered":"What is overdue debt? Issues to know and effective management solutions"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Overdue debt is the principal and interest that the borrower fails to pay on time as agreed with the bank or financial institution. This affects the credit score and can lead to many difficulties in borrowing money in the future.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article by Bizzi will provide an overview of what overdue debt is, solutions to handle overdue debt as well as ways to avoid incurring this debt.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Index<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Tong_quan_ve_no_qua_han\" >Overview of Overdue Debt<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Dinh_nghia_no_qua_han_la_gi\" >What is the definition of overdue debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Cac_loai_no_qua_han\" >Types of overdue debt\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#No_qua_han_co_phai_la_no_xau_khong\" >Is overdue debt bad debt?\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Phan_loai_cac_nhom_no_qua_hanno_xau_theo_quy_dinh\" >Classify overdue debt\/bad debt groups according to regulations<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhom_1_No_du_tieu_chuan\" >Group 1 (Standard Debt)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhom_2_No_can_chu_y\" >Group 2 (Debts needing attention)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhom_3_No_duoi_tieu_chuan\" >Group 3 (Substandard debt)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhom_4_No_nghi_ngokho_doi\" >Group 4 (Doubtful\/bad debt)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhom_5_No_co_kha_nang_mat_von\" >Group 5 (Debt with potential loss of capital)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Rui_ro_va_hau_qua_khi_no_qua_han_la_gi\" >What are the risks and consequences of overdue debt?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Chiu_phi_phat_va_lai_suat_cao\" >Pay high penalties and interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhan_thong_bao_canh_bao_va_nhac_nho_thuong_xuyen_tu_ngan_hang\" >Receive regular alerts and reminders from the bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Anh_huong_toi_uy_tin_tin_dung_ca_nhan_va_kha_nang_vay_von_trong_tuong_lai\" >Impact on personal creditworthiness and future borrowing ability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Trach_nhiem_phap_ly_va_nguy_co_bi_khoi_kien\" >Liability and Risk of Liability<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Giai_phap_khac_phuc_va_quan_ly_hieu_qua_no_qua_han_la_gi\" >What is the solution to effectively overcome and manage overdue debt?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Lien_he_ngan_hang_de_duoc_ho_tro_co_cau_lai_notra_gop_du_no\" >Contact the bank for support in debt restructuring\/payment of outstanding debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Uu_tien_thanh_toan_toan_bo_du_no_goc_va_lai_cang_som_cang_tot\" >Prioritize paying off all outstanding principal and interest as soon as possible.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Cac_loi_khuyen_tu_ngan_hang_de_tranh_no_qua_han_la_gi\" >What are the tips from banks to avoid overdue debt?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Vai_tro_cua_cong_nghe_trong_quan_ly_chi_phi_va_cong_no_de_tranh_no_qua_han_la_gi\" >What is the role of technology in managing costs and receivables to avoid overdue debt?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Thiet_lap_he_thong_kiem_soat_chi_phi_toan_dien\" >Establish a comprehensive cost control system\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Quan_ly_sat_sao_chi_tieu_doanh_nghiep\" >Closely manage business expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Quan_ly_cong_no_chat_che\" >Tight debt management\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Xu_ly_hoa_don_dau_vao_va_hoa_don_dien_tu_B-invoice\" >Processing input invoices and electronic invoices (B-invoice)\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Quan_ly_cong_tac_phi_nhe_nhang_Bizzi_Travel\" >Easy expense management (Bizzi Travel)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Nhung_van_de_thuong_gap_nhat_doi_voi_no_qua_han_la_gi\" >What are the most common problems with overdue debt?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Qua_han_thanh_toan_the_tin_dung_1_ngay_co_sao_khong\" >Is it okay to be 1 day overdue on credit card payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#No_the_tin_dung_qua_han_co_xin_lui_lich_thanh_toan_duoc_khong\" >Can I postpone the payment schedule for overdue credit card debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#No_the_tin_dung_qua_han_co_vay_von_tiep_duoc_khong\" >Can I get another loan if I have overdue credit card debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#No_the_tin_dung_bao_lau_thi_bi_khoi_kien\" >How long does it take to sue for credit card debt?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/bizzi.vn\/en\/what-is-expired-issues-to-know-and-effective-management-solutions\/#Ket_luan\" >Conclude<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tong_quan_ve_no_qua_han\"><\/span><b>Overview of Overdue Debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Below is general information about overdue debt to help you grasp the nature and understand this item:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dinh_nghia_no_qua_han_la_gi\"><\/span><b>What is the definition of overdue debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Overdue debt<\/b><span style=\"font-weight: 400;\"> is the situation where the borrower fails to repay on time the amount of money used for spending or the principal and\/or interest of the loan according to the agreement signed with the bank, credit institution or financial company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This occurs when a customer fails to pay in full and the payment due date has passed. For credit cards, delinquency is when a cardholder fails to meet their payment obligations by the agreed due date.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cac_loai_no_qua_han\"><\/span><b>Types of overdue debt\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Overdue debt with collateral<\/b><span style=\"font-weight: 400;\">: Debts that individuals\/borrowers cannot repay on time, loans with collateral (houses, land, vehicles), helping banks still have the ability to recover the initial loan capital.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Overdue debt without collateral (credit debt)<\/b><span style=\"font-weight: 400;\">: Debt of an individual who borrows capital without collateral, is unable to pay interest and principal on time, causing the bank to be at risk of not being able to recover the initial capital.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"No_qua_han_co_phai_la_no_xau_khong\"><\/span><b>Is overdue debt bad debt?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Overdue debt will become bad debt when it is paid late or does not pay both principal and interest on time as specified in the contract, especially when the payment is overdue for more than 90 days. Bad debt is debt in groups 3, 4 and 5 according to the provisions of Circular 11\/2021\/TT-NHNN (currently Circular 31\/2024\/TT-NHNN).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Information about this debt will be saved on the Vietnam National Credit Information Center (CIC) system, causing difficulties for customers when they want to borrow money next time.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-999975587\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1.jpg\" alt=\"what-is-bizzi-no-qua-han 1\" width=\"1200\" height=\"675\" title=\"\" srcset=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1.jpg 1920w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1-300x169.jpg 300w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1-1024x576.jpg 1024w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1-768x432.jpg 768w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1-1536x864.jpg 1536w, https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-1-18x10.jpg 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Phan_loai_cac_nhom_no_qua_hanno_xau_theo_quy_dinh\"><\/span><b>Classify overdue debt\/bad debt groups according to regulations<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to Circular 11\/2021\/TT-NHNN (now Circular 31\/2024\/TT-NHNN) of the State Bank of Vietnam, overdue debt is divided into 5 groups:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Nhom_1_No_du_tieu_chuan\"><\/span><b>Group 1 (Standard Debt)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The debt is current and is assessed to be fully recoverable, both principal and interest, on time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Or the debt is overdue for less than 10 days and is capable of fully recovering the overdue principal and interest as well as the remaining amount on time.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhom_2_No_can_chu_y\"><\/span><b>Group 2 (Debts needing attention)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debts overdue from 10 to 90 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Or the debt has been adjusted by the credit institution for the first time but is still within the due date.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhom_3_No_duoi_tieu_chuan\"><\/span><b>Group 3 (Substandard debt)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debts overdue from 91 days to 180 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Including debt with restructured repayment term for the first time overdue less than 30 days.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhom_4_No_nghi_ngokho_doi\"><\/span><b>Group 4 (Doubtful\/bad debt)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debts overdue from 181 days to 360 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Including debt restructured for the first time but overdue for up to 90 days or restructured for the second time but still within the term.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhom_5_No_co_kha_nang_mat_von\"><\/span><b>Group 5 (Debt with potential loss of capital)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This is the worst level, with overdue times of over 360 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Including debts that have been restructured for the first time and are overdue for 91 days or more or have been restructured for the third time or more.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Rui_ro_va_hau_qua_khi_no_qua_han_la_gi\"><\/span><b>What are the risks and consequences of overdue debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Overdue debt is a debt that is due but not paid on time as promised. Overdue debt, whether for individuals or businesses, can cause many risks and serious consequences:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chiu_phi_phat_va_lai_suat_cao\"><\/span><b>Pay high penalties and interest<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Customers with overdue credit debt will have to pay a late payment penalty (about 5% of the late payment amount, minimum from 50,000 - 200,000 VND depending on the bank) and overdue interest (about 20 - 40%\/year depending on the bank).<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">For example, Techcombank applies a penalty fee of 5% (minimum 50,000 - 200,000 VND) and an interest rate of 19.8 - 38.8%\/year depending on the card type.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Formula for calculating overdue interest: Remaining unpaid loan amount x 150% x Agreed loan interest rate x Time of late principal payment.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Nhan_thong_bao_canh_bao_va_nhac_nho_thuong_xuyen_tu_ngan_hang\"><\/span><b>Receive regular alerts and reminders from the bank<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When the debt is overdue, the bank will send a reminder notice via SMS, email or phone call to find out the reason and request payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the debt is overdue for 6 months, the bank has the right to block your credit card.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Anh_huong_toi_uy_tin_tin_dung_ca_nhan_va_kha_nang_vay_von_trong_tuong_lai\"><\/span><b>Impact on personal creditworthiness and future borrowing ability<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overdue credit card debt will negatively affect credit history and personal financial reputation, making it difficult for customers to continue borrowing capital or opening new credit cards in the future.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customers with bad debt history from group 3 or higher will not be able to open any additional credit cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Even if the outstanding debt has been paid, if the customer has a bad debt history, it will take 2-5 years to rebuild their credit score and they will be restricted from participating in loans at banks and financial companies.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Trach_nhiem_phap_ly_va_nguy_co_bi_khoi_kien\"><\/span><b>Liability and Risk of Liability<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With the terms <a href=\"https:\/\/bizzi.vn\/thu-hoi-cong-no-la-gi-quy-trinh-thu-hoi-cong-no-hieu-qua-cho-doanh-nghiep\/\">debt<\/a> Overdue, customers must bear legal responsibility according to Vietnamese banking law.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">According to Circular 11\/2021\/TT-NHNN, banks can file lawsuits for debts of VND 2 million or more that are overdue for 36 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In practice, banks often give customers the opportunity to repay their debts before initiating legal action, but if unsuccessful, this is the final step in debt recovery.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Giai_phap_khac_phuc_va_quan_ly_hieu_qua_no_qua_han_la_gi\"><\/span><b>What is the solution to effectively overcome and manage overdue debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Effectively resolving and managing overdue debt is vital for individuals and businesses to avoid insolvency, bad debt and financial reputation loss. Below are solutions to effectively resolve and manage overdue debt:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lien_he_ngan_hang_de_duoc_ho_tro_co_cau_lai_notra_gop_du_no\"><\/span><b>Contact the bank for support in debt restructuring\/payment of outstanding debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In case of insufficient finance, customers can contact the bank for support in paying off debt in installments or restructuring the debt repayment period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The bank will consider the application based on the customer&#039;s ability to repay and the bank&#039;s policy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cases considered for support include: unable to pay debts on time but still able to pay, suffering financial losses due to natural disasters\/epidemics, or having bad debts from group 3 to group 5.<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-2.jpg\" alt=\"what-is-bizzi-no-qua-han 2\" width=\"1200\" height=\"675\" title=\"\"><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uu_tien_thanh_toan_toan_bo_du_no_goc_va_lai_cang_som_cang_tot\"><\/span><b>Prioritize paying off all outstanding principal and interest as soon as possible.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Even though the bank has a policy to support installment payments, paying the entire outstanding balance, penalty fees and interest at once is the most optimal method to avoid incurring new interest.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After payment, customers need to build and accumulate credit reputation to increase the rate of approval for future loans.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Cac_loi_khuyen_tu_ngan_hang_de_tranh_no_qua_han_la_gi\"><\/span><b>What are the tips from banks to avoid overdue debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sign up for automatic credit payment service (automatic debit).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set up payment notifications by text or email.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose a fixed payment date each month to make it easy to remember.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You should pay the outstanding balance 2-3 days before the payment due date to prevent system errors or holidays.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Vai_tro_cua_cong_nghe_trong_quan_ly_chi_phi_va_cong_no_de_tranh_no_qua_han_la_gi\"><\/span><b>What is the role of technology in managing costs and receivables to avoid overdue debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Technology solutions like Bizzi can help businesses manage their finances closely, thereby minimizing the risk of overdue debt, especially in B2B transactions and internal cost management. Specifically:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thiet_lap_he_thong_kiem_soat_chi_phi_toan_dien\"><\/span><b>Establish a comprehensive cost control system\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bizzi provides a comprehensive cost control system for businesses, acting as an AI assistant for the finance and accounting department, automating the revenue and expenditure process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The platform integrates more than 30 features to help businesses streamline and automate their cost management, debt collection, and B2B payment processes.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Quan_ly_sat_sao_chi_tieu_doanh_nghiep\"><\/span><b>Closely manage business expenses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set up and monitor budget: Allows budget allocation by department\/project and monitors spending against allocated budget, warning when budget is exceeded.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automated Spend Approval: Helps speed up the approval process of spending requests.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time expense tracking and expense reporting: Provide up-to-date spending information and generate detailed reports by category, department, or project.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Establish spending policies and approval processes: Ensure compliance with company policies, from purchase requests to payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Irregular\/over-budget spending alerts: Notifications when new spending requests are made, when spending exceeds budget, or when unusual transactions are detected.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allows employees to submit expense requests in advance, track request status, and attach expenses to specific projects\/tasks.<\/span><\/li>\n<\/ul>\n<p><strong><i>See more solutions <\/i><a href=\"https:\/\/bizzi.vn\/quan-ly-chi-phi\/\"><i>here<\/i><\/a><\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quan_ly_cong_no_chat_che\"><\/span><b>Tight debt management\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic debt reminder: Create debt reminder process according to scenario via email, text message.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monitor and control <a href=\"https:\/\/bizzi.vn\/cong-no-la-gi-khai-niem-phan-loai-tam-quan-trong-va-cach-quan-ly-hieu-qua\/\">debt<\/a> Customers and suppliers: Automatically record and track debts of each customer and supplier.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Due\/Overdue Debt Warning: Provides warnings when debt is nearing its due date or is showing signs of being overdue.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Detailed debt report: Generate a report on the debt situation of the business.<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/bizzi.vn\/wp-content\/uploads\/2025\/06\/bizzi-no-qua-han-la-gi-4.png\" alt=\"what-is-bizzi-no-qua-han 4\" width=\"1200\" height=\"779\" title=\"\"><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Xu_ly_hoa_don_dau_vao_va_hoa_don_dien_tu_B-invoice\"><\/span><b>Processing input invoices and electronic invoices (B-invoice)\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automate invoice processing: Use Bizzi Bot with RPA and AI technology to upload, check, and reconcile invoices, including real-time reconciliation of invoice details, purchase orders (POs), and warehouse receipts (GRs) to detect discrepancies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify suppliers and warn of risky invoices: Check tax codes, operating status on tax systems and detect invoices from suppliers with signs of risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create, export, store, and search electronic invoices: Meet tax authority requirements (XML\/PDF), allow template customization, batch export, store for at least 10 years, and easy search.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Integrate with accounting\/ERP systems: Synchronize data for seamless financial management.<\/span><\/li>\n<\/ul>\n<p><strong><i>See more solutions <\/i><a href=\"https:\/\/bizzi.vn\/quan-ly-chi-phi\/\"><i>here<\/i><\/a><\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quan_ly_cong_tac_phi_nhe_nhang_Bizzi_Travel\"><\/span><b>Easy expense management (Bizzi Travel)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automated flight booking and business expense management: Integrate with ticket booking services so employees can quickly book tickets according to approved budgets, while tracking and managing business expenses (flights, hotels, transportation, meals).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spending limits and travel approval process: Set spending limits for each employee\/trip and require pre-approval for trips.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business Expense Report: Provides an overview of business expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over budget alert: Send notification when business expenses exceed limit.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Nhung_van_de_thuong_gap_nhat_doi_voi_no_qua_han_la_gi\"><\/span><b>What are the most common problems with overdue debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Below is a summary of some common cases of overdue debt:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Qua_han_thanh_toan_the_tin_dung_1_ngay_co_sao_khong\"><\/span><b>Is it okay to be 1 day overdue on credit card payment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overdue even by 1 day will still be charged a penalty fee and overdue interest on the minimum outstanding balance depending on the bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You should pay the outstanding balance 2-3 days before the payment due date to avoid technical risks or penalty fees.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"No_the_tin_dung_qua_han_co_xin_lui_lich_thanh_toan_duoc_khong\"><\/span><b>Can I postpone the payment schedule for overdue credit card debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overdue credit card debt cannot be deferred.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">However, customers can request to pay off the outstanding balance in installments with the bank in some special cases as mentioned in the solution section.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"No_the_tin_dung_qua_han_co_vay_von_tiep_duoc_khong\"><\/span><b>Can I get another loan if I have overdue credit card debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No, overdue credit card debt will negatively affect your credit history, making it difficult for you to be considered for new loans or new credit cards until you pay off the debt.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"No_the_tin_dung_bao_lau_thi_bi_khoi_kien\"><\/span><b>How long does it take to sue for credit card debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">According to Circular 11\/2021\/TT-NHNN, banks can file lawsuits for debts of VND 2 million or more and overdue within 36 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">However, in practice, banks often apply professional solutions before initiating a lawsuit.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><b>Conclude<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Overdue debt is a serious financial problem that can have many negative consequences for individuals and businesses. It is essential to understand the definition of overdue debt, its classification, the risks involved, and the solutions to overcome it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to proactively managing personal finances, businesses can take advantage of modern technology solutions like Bizzi to automate and streamline the cost management process, <a href=\"https:\/\/bizzi.vn\/mau-bien-ban-can-tru-cong-no\/\">offset<\/a>, to prevent and handle overdue debt effectively, ensuring financial health and credit reputation.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Link to register for a trial of Bizzi products: <\/span><a href=\"https:\/\/bizzi.vn\/dang-ky-dung-thu\/\"><span style=\"font-weight: 400;\">https:\/\/bizzi.vn\/dang-ky-dung-thu\/<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule a demo: <\/span><a href=\"https:\/\/bizzi.vn\/dat-lich-demo\/\"><span style=\"font-weight: 400;\">https:\/\/bizzi.vn\/dat-lich-demo\/<\/span><\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Overdue debt is the principal and interest that the borrower does not pay on time as agreed with the bank or\u2026<\/p>","protected":false},"author":56,"featured_media":999975586,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[368],"tags":[],"class_list":["post-999975584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quy-trinh-phai-thu"],"acf":[],"_links":{"self":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999975584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/users\/56"}],"replies":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/comments?post=999975584"}],"version-history":[{"count":2,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999975584\/revisions"}],"predecessor-version":[{"id":999975591,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/posts\/999975584\/revisions\/999975591"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media\/999975586"}],"wp:attachment":[{"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/media?parent=999975584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/categories?post=999975584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizzi.vn\/en\/wp-json\/wp\/v2\/tags?post=999975584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}