1. What happens when the credit card debt exceeds 50,000?

1. First of all, there will definitely be a lot of penalty interest. After all, the debt of 50,000 yuan is very high, and the credit card will bear interest at a daily interest rate of five ten thousandths from the overdue date.

2. The overdue situation will be reported to the central bank's credit information system by the issuing bank, and the bad overdue record will be left in the cardholder's personal credit information report.

3. Credit cards will also be frozen by banks, so that cardholders can no longer use them. In order to recover the money as soon as possible, the bank will continue to send text messages to cardholders and call for dunning.

4. If you continue to breach the contract, the bank will think that the cardholder has maliciously overdrawn and directly sue the cardholder. If the court decides to overdraw maliciously, it will even go to jail.

Second, the credit card debt of 50 thousand has not been paid back. Can I return it slowly?

For credit card arrears of more than 50,000 yuan, if the cardholder cannot repay at present, he can choose to repay slowly. But it's not good if the credit card is overdue. It is suggested that the cardholder take the initiative to call the issuing bank, and can try to apply for extending the repayment period and repay the arrears and interest in installments.

1. Extending the repayment period can delay you to the next repayment date, which is the best choice for small partners who have no money for the time being, because there is no charge and interest for installment repayment.

2. If you can't get the repayment money in a short time, you can only choose to repay by installments or stop lending. These two applications are more difficult than extending the repayment period, but at least they can prevent you from affecting your credit information. You can contact the bank when it is about to be overdue, take the initiative to negotiate, express your willingness to repay, and improve the success rate of negotiation.

3. Stop-interest account is much more favorable than installment repayment, because stop-interest account has no interest, so you can pay less. But there are no special circumstances, and banks rarely agree to stop paying interest. But if you encounter some special circumstances, such as natural disasters, sudden diseases and so on. The success rate of applying for suspension of payment will be greatly improved.

Third, how to deal with credit card arrears being sued

1. If the cardholder can't repay the loan on time due to unemployment, illness or other unexpected reasons, it's best to take the initiative to call the bank credit card center before the final repayment deadline to explain his financial situation, declare that he is not maliciously overdue, and apply for deferred repayment and interest concessions.

2. In view of the cardholder's positive performance and good credit record in the past, the bank usually agrees to postpone the repayment, and negotiates with the cardholder the repayment plan acceptable to both parties, such as the extension period, interest discount, monthly repayment amount, etc.

If you accidentally forget to repay, you'd better repay in full as soon as possible. Then call the bank credit card center to explain that there is no malicious overdue. If the previous record is good, the bank will agree to cancel the overdue record.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.