What to do if all the online loan credit cards are overdue and unable to repay

Negotiation. The cardholder can proactively contact the card-issuing bank by phone to negotiate the repayment channel for the overdraft amount and the specific repayment amount; 2. Authorize a litigation agent to deal with the bank. For banks, the cardholder can authorize a litigation agent to handle litigation matters; 3. It is enforced by the people and blacklisted. If the cardholder is unable to repay, enforcement will be enforced.

Legal basis: Article 120 of the "Civil Procedure Law of the People's Republic of China" shall submit a petition to the people, and submit or call out copies according to the number of defendants. If it is really difficult to write a pleading, it can be made orally, and the people will record it and inform the other party.

1. If you are overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of the individual and the family;

2. In terms of overdue charges, there will be some liquidated damages, penalty interest, etc., which need to be charged according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interest;

3. It will have an impact on personal credit records. A bad credit record will become a hindrance to future mortgage loans, car loans and other loans, as well as the processing of credit cards.

Legal basis: Article 188 of the "People's Republic of China and Civil Code"

The statute of limitations for petitioning the people for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor. If the law provides otherwise, such provisions shall prevail. However, if more than 20 years have passed since the date when the rights were damaged, the people will not provide protection. If there are special circumstances, the people may decide to extend the time based on the application of the right holder.

What to do if an online loan credit card is overdue?

1. Overdue credit card:

Call the card-issuing bank as soon as possible to inform you that you cannot repay in time. If the reason is caused by objective reasons, as long as it is not maliciously overdue, the bank can handle it flexibly. Generally, if the overdue payment does not exceed 3 days, it will not be reported to the credit report.

Be sure to answer calls from bank customer service. Generally speaking, even if you don't call the bank after the due date, the bank will come to you. If the overdue amount is relatively large and there is really no way to pay it off in full, you can tell the bank what is the reason for not having enough funds to repay it temporarily, and say that you will pay it off bit by bit. Generally, the bank will not make it too difficult for you. . But one thing you need to remember is, don’t think that you don’t have to pay back the money you owe to the bank. Credit cards are protected by criminal law.

If you are not very sure, don’t take out an online loan to repay your credit card.

2. Online loans are overdue.

After online loans are overdue, it is best not to use loans to finance loans or tear down the east wall to pay for the west wall. This will make the situation deeper and deeper, resulting in overdue amounts. getting bigger and bigger.

If you are unable to repay on time due to sudden unemployment or sudden illness, you can explain your financial situation before the repayment deadline and explain that you do not intend to default, and you can apply for an appropriate extension. Repayment and interest discounts.

If you forget the repayment time due to carelessness, you must pay it off in full as soon as you find it is overdue.

Work hard to make money and spend rationally. When a loan is overdue, in the final analysis, consumption exceeds the ability to make money, so you should still work hard to earn money and consume appropriately in advance within your ability. This is the fundamental way to solve overdue loans.

What should I do if my credit card online loan is completely overdue?

When you owe credit card debt and it is overdue, it will have a very serious impact on the individual, and as time goes by , the greater the impact and harm you will suffer.

Remember: There are four “don’ts” for overdue credit cards!

1. Never stop the card

Some people will be particularly scared when they know about the overdue credit card, and feel that they should pay off the debt immediately and then stop the card. That's fine, but in fact it's not the case, because as long as it is recorded, it will always be with you until the 24-month time limit has passed. During this period, you must continue to use this credit card and use new consumption records. Constantly refresh negative records so that they will not have any impact on your personal credit report.

2. Don’t run away

Many people feel that it may not be possible to repay the overdue debts and various overdue liquidated damages in full for the time being, so they think of various ways. For example, I changed all the contact addresses, thinking that I would not be caught in this way. However, the bank is connected to the Internet. Whether you are taking transportation or traveling, your location will be directly tracked as soon as possible. It is a state that cannot be escaped. In this way, the bank will have a very bad impression on the debtee's behavior, which will have a very detrimental effect on subsequent negotiations.

3. Don’t avoid it

Many people think it is embarrassing to pay back their credit card debt, and they think that they will repay the debt directly when they have enough money. However, this approach is definitely wrong, because the more under such circumstances, the more you should take the initiative to contact the bank and explain the reasons for the overdue credit card. It is best to make a plan to contact the bank. After careful negotiation, you will basically be able to agree to defer repayment.

4. Don’t be careless

It is often seen that some people forget the repayment time, which leads to the overdue credit card, so don’t be careless. To be honest, if you really have such problems, you can set a certain bank card to automatically repay, which can avoid these problems to a great extent.

If you are really worried, you can go to Eagle Heart Quick Check to check your personal credit, and you can get your own big data credit report, and the inquiry record will not be displayed on the credit report, and will not affect the inquirer's loan application. You can also check your comprehensive credit score and check risks in a timely manner.

Extended information:

Will online loan credit cards be overdue and unable to repay them?

The main contradiction of overdue is that you want to pay back slowly, but the credit card or Online loan institutions want you to pay back immediately. You can't afford that much money now, and the bank or online loan company charges some interest penalty, so they may reject your negotiation.

No matter what, try your best to be first. As long as you are willing to repay the loan, the bank will not let you go so quickly. If you can call relatives and friends for help, it would be better to fill the vacancy early. On the contrary, if you neither take the initiative to contact the bank nor pay attention to the reminder to pay back the money, you may be deported if it is overdue for more than 3 months.

As for online loans, most online loan institutions use strong collection methods and even come to collect debts, which frightens people and disrupts their lives. If you can prove it's really difficult, you generally won't.

What to do if an online loan credit card is overdue

1. Online loans are divided into those with good credit and those without good credit. Priority will be given to repaying loans with good credit. Those who have a credit report are the same as those who owe credit cards. They negotiate with the staff for fixed repayments, promise that they will repay, and record the entire process.

2. If you don’t have a credit report, you won’t be so free. If the annual interest rate exceeds four times the IPR of the same year, it is illegal. If, in the end, you still negotiate to repay the principal.

3. When negotiating repayment with a bank or loan company, answer the call when the other party calls, and meet him when he comes to you. Don’t not answer the phone, and don’t hide away from people, otherwise the other party will call the police. Definitely, there is a real possibility of going to jail.

4. If you encounter banks and collection companies that are demanding payment, try to be tactful and tell them not to disturb your family, let alone make threatening words and actions. To prevent your family from being frightened, tell them that they must pay it back slowly and record or video the entire process as evidence.

Extended information:

Is it true that you will go to jail if you do not repay your credit card loan?

You will go to jail if your credit card is not repaid. If your credit card is overdue for more than three months or you will be charged by the bank, If you fail to repay the loan more than twice, the bank will freeze your card and list you as a banned customer (blacklist). At the same time, your credit card and malicious overdraft will be enforced. If you later refuse to repay and the amount you owe exceeds RMB 10,000, you will be sentenced according to Article 196 of the Criminal Law, Credit Card Crimes.

This is the introduction of what to do if all credit card online loans are overdue.