If you default on repayment for a long time, the bank will usually punish you. If the evidence is solid, you will definitely lose the lawsuit, but don't be afraid, it is normal to litigate. Come back and execute it at this time to see what assets you have. If you have no assets, what can the bank do? Let’s deal with bad debts. But don’t think about taking out a loan again in the future. Unless you repay all the balance you owe including interest.

Second, I asked that I also owe 2,000 yuan to the bank and have not paid it back. Is it because they have a bad attitude...

The consequence will be judicial intervention in the end.

If it is a loan, it is very likely that you will have to trouble your guarantor or use your mortgage to argue.

If it is due to a bank operation error, you will get more money. The 2,000 yuan that belongs to you. Since they are so vicious against you, they must have conclusive evidence in their hands. There is no doubt that there are surveillance videos in the bank's business hall, basically covering all aspects.

It’s not a question of whether their attitude is good or not. I work for a bank. I once handled business and was short two thousand, half a month’s salary. I also contacted that customer for a long time, but he It was true that I couldn't come because I had something to do, but I was in a hurry because I still hadn't made up 2,000 by the time I got off work in the evening, and there were errors to be calculated and bonuses to be deducted.

So it is inevitable that the tone is a bit urgent.

So, brother, pay it off as soon as possible, otherwise if you want to get a loan or something in the future, you will get nothing if your credit is not good. Now banks are all verified online. You are in this bank If your credit is bad, everyone else knows about it.

3. I owe 2,000 yuan to Bank of China’s credit card and I haven’t paid it back in five years. How much do I owe per ***?

The overdraft interest rate is 0.5% of the daily interest rate, and compound interest is calculated on a monthly basis. At the same time, if the minimum repayment amount is not repaid before the due repayment date (inclusive), in addition to the loan interest payable, Liquidated damages should be paid to the bank based on a certain proportion of the unpaid portion of the minimum repayment amount. The specific calculation method for repayment liquidated damages is: Repayment liquidated damages = (minimum repayment amount - repaid amount) × 5%. You can check your debt status through the Bank of China Credit Card WeChat official account, mobile banking, Colorful Life APP, customer service hotline and other channels. The above content is for your reference. Related product/business policies, operating procedures, charging standards and other information shall be subject to the time you actually handle the business. If you have any questions, please continue to consult Bank of China's online customer service. If you have other business needs, you are welcome to download the Bank of China mobile banking APP or follow "Bank of China Micro Banking" on WeChat to continue consulting and handling related businesses.

4. If someone dies and owes 2,000 yuan on his credit card and has not paid it back for 4 years, will the bank pursue it?

Hello,

This is the situation

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No matter how much money you owe, you have to take the initiative to pay back a little.

Banks generally won’t.

But if you don’t pay back even a little and don’t answer the phone, you will definitely do it. ,

Solutions to overdue credit cards:

1. As a credit card holder, once you are unable to repay the loan on time due to unemployment, illness or other accidents, you will have to pay it back in the end. Before the payment period arrives, cardholders are advised to proactively call the bank's credit card center to state their financial situation, declare that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s proactive performance and record, the bank will often agree to defer the repayment and agree with the cardholder on a repayment plan acceptable to both parties, such as extension period, interest discount, and monthly repayment. Amount

If you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but you will need to repay as agreed.

3. If you forget to repay due to negligence, then it is best to repay in full if you find that you have repaid. Then call the bank's credit card center and declare that the debt is not malicious. If the record has been good before,

and it may not be recorded as a bad record when it is overdue. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank’s credit reporting system on a rolling basis for 24 months, that is, any overdue credit card repayments will not be kept for two years. If the use of the card is terminated, the corresponding records will no longer be scrolled, but will be saved for a long time. After repayment, it is best not to cancel the credit card immediately after paying off the debt, but to continue to use the card for more than two years. , and during the retention period

rely on rolling records to remove bad records from the credit reporting system.

Nowadays, with credit, this will cause you to be unable to pass many banking services or commercial loans, so develop good card usage habits, understand the solutions to overdue credit cards

, and do Come prepared!