1. Credit cards do not receive credit information as soon as they are overdue. Generally, banks need a certain grace period for credit card repayment, for example, the grace period is 3 days, so if the user fails to repay on the repayment date, it is normal repayment and will not receive credit information. Therefore, users must repay before the grace period when using credit cards.
2. In addition, Bian Xiao needs to remind everyone that different banks have different grace periods for credit cards. Although most banks have a three-day grace period, some banks have different grace periods, and some banks even have no grace period. Therefore, users must find out how long the grace period of their credit cards is.
3. If the user returns the credit card after the grace period, it does not mean that it will be reported by the credit reporting agency. At this time, if the user is maliciously overdue, you can immediately pay off the credit card, call the bank's customer service phone, sincerely show your situation, and say that you are not maliciously overdue. The applicant bank should not report itself to the credit bureau. Generally, as long as the user is overdue for the first time and the overdue time is not long, the bank will agree to the application. However, if you are overdue for many times and have made similar applications before,
4. In addition, if the user is overdue in the process of using the credit card, it will become a black account of the credit card and be restricted from using the credit card. Generally speaking, as long as the user's credit card has been overdue for three consecutive times, or the accumulated overdue time exceeds 90 days, it will become a black account.
1, penalty interest and liquidated damages. If the loan is not repaid, the first thing you will encounter is legal interest and liquidated damages. If you don't want to get yourself into a loan quagmire, you'd better develop good repayment habits.
2. Credit will be damaged. Whether it is money borrowed from banks or money from online lending platforms, if it is overdue, it will be much more difficult to apply for credit cards or loans in the future. Some people think that overdue online loans have no effect on their credit information. In fact, this idea is wrong. At present, there is an interconnected encryption system between the online lending platform and the central bank. On the online lending platform, there will also be a shared "blacklist" system, and your credit can be found out in minutes.
3. If the circumstances are serious, you will go to jail. Many people are very concerned about whether the consequences of online loans not paying back the money will go to jail. Usually, such incidents of non-repayment of loans are civil disputes and have not risen to the criminal level. However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail. Of course, at present, China stipulates that the part of private lending disputes with an annual interest rate exceeding 36% can be requested to be returned. Therefore, in the face of some online lending platforms exceeding the statutory interest, lenders can take legal measures to protect their rights.