The reasons are as follows: the first reason is that banks will sue customers who fail to repay; the second reason is that users who cannot afford to repay take the initiative to contact the bank, and the bank chooses to believe that they will later Repay the money; the third reason is that the credit card is overdue every month, but the money is paid back every month; the fourth reason is that the credit card holder is overdue for no more than three months.

01. The first reason is that banks will sue customers who fail to repay them

With the development of society, nine out of ten people have credit cards in their hands. There are many reasons. The simple thing is that many young people are flocking to credit cards with high limits and early consumption. You must know that the overdraft function of credit cards makes it stress-free to buy whatever you want, and it becomes easier to have what you want. However, many people are accustomed to using credit cards to consume in advance, and from time to time they will exceed their consumption level. When they see the bill, they cannot pay back all their wages.

At this time, some friends often perform magical operations and choose to pay back the credit card later, and they start to feel uneasy. However, after the due date, they find that the bank does not pursue them, so they hold a lucky mentality and feel that it is okay not to pay back the credit card. Slowly I forgot about it. But in the short term, it’s not that banks don’t pursue your money, and banks issue too many credit cards, and more than one person refuses to pay back the money. Banks will give priority to collections for large amounts. Banks will only choose to sue if there is really no other way. .

After all, everyone must understand that if banks pursue everyone, it will cost a lot of manpower, material and financial resources. In a word, banks can't just be busy filing lawsuits every day when they are not doing business. This is simply unrealistic and impossible. Therefore, banks can only be customers who never repay, and sue whoever they get. The rest will be taken care of slowly. tidy.

Netizen A: Doesn’t it mean that if you don’t pay back your credit card, nothing will happen as long as you don’t get targeted by the bank? Smirking...

Bank: Sooner or later, if you dare not pay it back, I will send you to the credit blacklist...

Netizen B: Heaven's way is reincarnation. Whoever God spares will not be repaid because the time has not yet come.

02. The second reason is that users who cannot afford to repay take the initiative to contact the bank, and the bank chooses to believe that he will repay the money later

There are also some people who know that they have maxed out their credit cards, and even the minimum If you can't afford to repay the loan, at this time, the overdue credit card repayer actively chooses to "surrender", proactively explain your financial situation to the bank, and at the same time make the bank believe that the overdue credit card repayer will repay the money. It is impossible for the bank to sue in such a situation. As long as the overdue credit card repayer actively communicates with the bank and gives the bank a sufficient sense of security (a repayment plan agreed by both parties), the bank will still maintain a good relationship with the overdue repayer.

Credit card overdue repayment person:? Boss,...can you give me a little grace time? I will work hard to pay back the money. Please don’t put me on the credit blacklist. I promise. The boss is always on call, never losing contact, crying...?

The boss (bank) thinks about it: I can understand your short-term difficulties, but you still need to communicate how Pay back the money and come up with a plan so that you won’t sue...?

Those who overdue credit card repayments:?Thank you for the opportunity...?

03. The third reason is that the credit card holder is overdue every month, but pays back every month.

The third situation is that the credit card holder is overdue every month, but pays back every month. . This operation sends a message to the bank: Although the credit card holder cannot afford to repay that much money temporarily, the card holder has a strong willingness to repay. ?The bank will not choose to sue in this case.

04. The fourth reason is that the credit card holder is overdue for no more than three months

In the last case, the bank does not sue if the credit card is overdue because the credit card holder is overdue. No more than three months. The general working process of banks is to collect collection first to see if the credit card holder will actively repay the loan. If the debt is not repaid within three months, the bank will decide whether to sue the credit card holder.