Usually, when we use credit cards, we must pay attention to repayment on time to avoid overdue, because overdue will have adverse effects, especially if the overdue amount is large and the overdue time is long, and the consequences are very serious. I also heard that a person owed a credit card150,000 for three years. What if the credit card still owes150,000? I will answer your question today.

In the face of this huge credit card debt, there is only one sentence: even if you don't pay it back, you have to pay it back!

Having a 1.5 million credit card can't be solved by running away. I heard that a man owed 1.5 million credit card, but he didn't pay it back after running for three years, and was finally caught and sentenced.

First, consult the bank.

It is unwise to run away in this situation, but the amount you owe is really huge, so you can only discuss with the bank to see if you can make an accommodation and pay back a little every month. As long as you have a good attitude and actively repay, the bank is easy to talk to.

Second, borrow money from friends and relatives.

Faced with a debt of10.5 million yuan, it is difficult to find a loan, because loans often require high interest and are likely to increase in the end. So if you want to pay back as soon as possible, you have to borrow money from relatives and friends, pay back the credit card first, and then return the money to the borrowed relatives and friends. At least borrowing money from relatives and friends doesn't require interest.

The above is about "what should I do if I owe my credit card 1.5 thousand for three years?" The answer. If your credit card owes a lot of debt due to excessive overdraft, never run away. It is the wisest choice to consult a bank. If not, borrow money from relatives and friends. It's best not to borrow money. Loans also need interest.

What should I do if my credit card is in arrears10.5 million for three years? Will the bank forget?

What should I do if my credit card is in arrears10.5 million for three years? Will the bank forget?

There are some users whose credit cards are overdue, and they have not applied for overdue repayment after their credit cards are overdue. After a long time, the arrears are increasing, resulting in three years of arrears 1.5 million.

Moreover, during this period, they have not suffered serious consequences, so users will think that the bank has forgotten its overdue situation.

If the user has overdue debts in the bank, no matter how much, the bank will not forget your debts. If you don't repay the loan for one day, it will be a bad debt for the bank, and your overdue repayment record will be recorded in the banking system in detail.

Overdue users have never caused serious consequences, which only shows that the bank has temporarily helped you. Once it is overdue 1.5 million years according to the sentencing standard for malicious overdraft of credit cards, it will be sentenced to less than 5 years.

Therefore, users must save themselves before the bank has done it, so as not to go to jail for overdue repayment of credit cards.

If users want to solve the problem of their credit card arrears, they can solve it through the following aspects:

1, actively contact the bank to handle the problem:

Users must contact the bank quickly to show their attitude to deal with the problem, so as to avoid the bank from starting work on itself, and the consequences will be irreparable once it happens.

2. Apply for installment repayment in the bank:

It is definitely difficult for users to pay off the arrears of 1.5 million at one time, so you can contact the bank to apply for installment repayment at this time. As long as the average user has a repayment attitude, the bank will basically agree to the user's application.

3, first of all, family turnover:

Users can go to their families first and settle their bank debts first, so as not to bring more serious consequences to themselves. Pay back the money at home in the future.

4. Increase your income:

Before the overdue repayment of credit cards is handled, users must find ways to increase their income and solve the arrears as soon as possible. For example, using spare time and so on. The sooner you pay off your credit card, the less impact you will have on yourself.

Finally, I need to remind all credit card users that credit cards must not be overdue. Not to scare people into going to jail when their credit cards expire. It is expressly stipulated, so you must pay back on time when you use your credit card anyway.

1.5 million credit card debt self-help method

1. Ask your family.

Home is always a warm harbor. With the joint efforts of the whole family, nothing can be overcome. If all family members have savings, they can ask for help in repayment. If possible, they can borrow it from their families first.

2. Open source and reduce expenditure

Open source means to improve your ability to make money, and you can do something outside of work to make as much money as possible. And while making money, we should also control consumption, that is, reduce expenditure, not only improve self-control, but also change consumption habits and reduce the number of credit cards.

3. Develop good savings habits.

In addition, selling it will save money. After all, even if you owe 654.38 million yuan, your life will go on. But if you take out all your money and have no habit of saving money, then even if you pay off your debts, you may not have the habit of saving money. Maybe I will swipe my card then.

4. Negotiate repayment

If the above three methods fail, you can consult the bank about the repayment situation, express your willingness to repay, and tell the bank the difficulty of not being able to repay. If the bank agrees, it can sign a personalized installment repayment agreement with the bank and repay 50,000 yuan in three to five years. According to the agreement, repayment must be made monthly.

What should I do if I owe four credit cards a total of 654.38+0.5 million?

If you owe a credit card, you can apply to a financial institution for deferred repayment and actively pay back the money. When the debtor fails to perform the due debt, the creditor may retain the movable property that the debtor has legally possessed, and enjoy the priority of compensation for the movable property. Article 412 of the Civil Code: If the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, resulting in the collateral being sealed up according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the collateral from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits.

This concludes the introduction of how to deal with the credit card debt of 1.5 million and the credit card debt of 500,000. I wonder if you found the information you need from it?