1. What should I do if I can't afford my credit card after I get out of prison?

1, installment payment

Applying for the maximum installment payment can not only relieve the repayment pressure of the month, but also generate no more interest.

2. Select the function of minimum monthly repayment.

The proportion of the minimum repayment amount is generally 10% of the total bill. As long as the monthly repayment is guaranteed according to the minimum repayment amount, personal reputation will not be affected and there will be no late payment fee.

3. Apply for deferred repayment

Go to the bank to apply for deferred repayment and specify a clear repayment date, then there will be a three-day deferred repayment time.

4. Take the initiative to negotiate with the bank

If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

2. What if the cardholder dies after the credit card expires?

If the cardholder has an inheritance, the bank may recover from his successor; If there is no inheritance, the debt will naturally die, and the bank cannot recover from the heir.

1. Cardholders have the right of inheritance.

Credit card debt is also part of personal heritage. Generally, the debts are paid off first, and then the remaining inheritance is distributed. Credit card debt is the cardholder's debt, and the remaining debt must be returned before it can be distributed as an inheritance.

2. The cardholder has no inheritance.

If the cardholder's credit card consumption occurs during the marriage relationship, the creditor's rights and debts incurred by one spouse in his own name during the marriage relationship are regarded as joint debts of husband and wife. Therefore, if the cardholder has no other personal property, the other spouse should continue to repay.

3. What happens when a credit card is sued for overdue?

1, continuous dunning by the bank

When the borrower is overdue, the bank credit card customer service center will first call several times; If the money is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection; After repeated dunning, the bank will sue to the court.

2. Being sued by the bank, unable to apply for a loan.

Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.

If the credit card is overdue, you can apply for installment repayment. Credit cards are issued by commercial banks, and the name of the cardholder, the validity period of the credit card and the name of the issuing bank need to be filled in the credit card. After the cardholder dies, he can use his legacy to repay the credit card debt. If there is no inheritance, the spouse can bear the responsibility of repaying the debt.