1. If you really can't repay the credit card debt, you can take the initiative to contact the bank, ask about the amount and interest of the debt, explain the current situation to the bank, and explain that you are not unwilling to repay the debt, but really helpless, and express your repayment intention to the bank to avoid being caught.

2. After actively communicating with the bank, apply to the bank for personalized installment payment, and make reasonable installment according to your own economic situation and income expectation.

When you can't repay the credit card debt, don't wait for the bank to collect the debt. You should take active measures to communicate with the bank.

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. So under normal circumstances, banks will deal with it according to the actual situation.

What if the credit card is overdrawn and unable to repay?

The method of not being able to repay the credit card is as follows:

1. If it is temporarily unable to repay the debt, it may negotiate with the creditors to repay the debt in installments, postpone the repayment or reduce the debt;

2. If the other party doesn't agree to postpone or reduce the debt and wants the debtor, then it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment by stages or within a time limit in court;

3. If the other party does not agree to postpone or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor has the ability to repay but refuses to pay, the creditor may apply for enforcement. But enforcement will not go to jail, because civil liability does not involve criminal issues;

4. If the debtor really has no money to repay:

(1) The person subjected to execution knows that the party concerned has no money and cannot execute it;

(2) If the parties have money and refuse to return it, they can arrest people, including judicial custody, or they can be investigated for criminal responsibility for refusing to perform the effective judgment;

5. The people's court shall, according to legal procedures and legally effective documents, stipulate specific execution contents, force civil obligors to perform their obligations, and ensure the realization of creditors' rights.

Legal basis: Article 678 of the Civil Code of People's Republic of China (PRC).

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 2 14 of the Civil Procedure Law of People's Republic of China (PRC).

If a case is retried by the people's court in accordance with the procedure of trial supervision, the court of first instance shall make a legally effective judgment or ruling, and the case shall be tried in accordance with the procedure of first instance, and the parties concerned may appeal against the judgment or ruling made; A legally effective judgment or ruling shall be made by the second instance and tried in accordance with the procedure of the second instance. The judgment or ruling made is a legally effective judgment or ruling; If a people's court at a higher level brings a lawsuit in accordance with the procedure of trial supervision, it shall try it in accordance with the procedure of second instance, and the judgment or ruling made shall become legally effective.

Please click to enter the picture description (maximum 18 words).

The best way to deal with the inability to repay credit cards

The credit card has no repayment ability for the time being, so you can choose to repay by installments or the minimum repayment amount. Cardholders only need to bear a certain handling fee or interest, which will not affect personal credit; If you have no repayment ability at all, you need to contact the bank to negotiate repayment, and you need to provide proof that you can't repay on time, such as unemployment certificate, physical disability certificate and serious illness certificate.

The longest repayment period of the personalized installment repayment plan made by credit card negotiation repayment shall not exceed 5 years, and the repayment period, method and cost shall be agreed. 1, it is better not to overdraw if you are unable to repay;

2. Since there are two solutions to overdraft: one is bill installment; However, according to the minimum repayment amount, neither of them affects personal credit, but repayment according to the minimum repayment amount does not enjoy the interest-free treatment of the current bill, which is the most important attitude towards overdue.

No matter how much money you owe, you should take the initiative to pay it back.

Banks generally don't,

But if you don't answer the phone at all, you will.

Credit card overdue solution:

1. As a credit card holder, once the repayment cannot be made on time due to unemployment, illness or other accidents, the cardholder should take the initiative to call the bank credit card center to make a statement before the deadline for repayment comes.

Your own financial situation, declare that you have no malicious default, and apply for deferred repayment and interest concessions.

2. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment and negotiate a mutually acceptable repayment plan with cardholders, such as the extension period, interest discount, monthly repayment amount, etc.

In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center and declare the non-malicious arrears. If the previous record is good,

And the overdue time is short, and it is found that the repayment situation after the overdue is good, which may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will no longer be available.

Scroll, but keep it for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but insist on using the card for more than two years, and maintain a good credit during this period, so that you can.

By rolling records, bad records are removed from the credit information system.

In today's credit society, don't underestimate the credit card stain, which will lead to many banking businesses that you can't handle, and car loans, mortgages and commercial loans can't pass. Therefore, develop good credit card habits, understand the solutions to overdue credit cards, and be prepared!

Let's stop here for the introduction of how to do if the credit card is unable to repay.