There are many people who use credit cards now, and the overdue is more and more year by year. Most credit card users who are overdrawn and unable to repay are losing money, looking at the income, but there is nothing they can do. In fact, having no money is one thing, and whether it is necessary is another. Never evade the collection in the future, so as not to miss the opportunity of negotiation.

This article will answer three overdue credit card questions for you in detail:

1. What should I do if my credit card is overdue and I have no money to pay it back?

2. The credit card has expired. How do I apply to suspend my credit card?

3. What will happen if the credit card is overdue?

Don't panic if you have no money after the deadline. According to your own financial ability and estimated capital turnover, choose different treatment methods.

1. There is no money to pay back for the time being. Anyway, you are overdue. If the amount is not very large, or it can be paid off after a period of time, then it is simply handled. You can choose the minimum repayment amount or borrow it from a friend. The minimum repayment interest is not much lower than overdue, but short time is not too bad.

I have no money for a long time. The bank has a policy of stopping interest and posting. For users who really can't pay back the money and have special reasons and are not intentionally overdue, they can be given a repayment period of up to 60 installments.

If the preconditions are met, prepare salary slips, proof of income and debt, recent bank flow, proof of difficulties, etc. Then go to the bank customer service to register, submit materials, and negotiate with the bank staff about the staging plan.

For most users who can't repay, it is very likely that they will be rejected if they are new here and apply for stopping to report the loss themselves. That's because users often only know the process and don't know the tricks.

1. Confirm that the arrears exceed the repayment ability. You owe tens of thousands, and it is definitely not appropriate to earn seven or eight thousand a month. You don't need to stop losing money. Then, if you owe 6,543,800 yuan and your monthly salary is only a few thousand yuan, it proves that you are unable to repay normally.

2. Express willingness to repay. If you still evade the collection after the deadline, don't come to the door to withdraw money, and don't return it by phone, what can you talk about? To show sincerity, we must actively respond to the collection, take the initiative to repay, and return some.

You should give an appropriate reason. If you are unemployed, seriously ill or bankrupt, and you negotiate with the corresponding proof, what reason does the bank have to refuse you?

Find the right direction and get twice the result with half the effort. The preliminary work is in place and the attitude and materials are complete. Even if the bank refuses you because of profit and other issues, you can still call the CBRC with confidence. Call 12378 to report the unreasonable behavior of the bank.

No matter what the reason, it is not recommended to deal with it after the deadline. In this way, interest will not wait for others. You may owe 70,000 or 80,000. If we wait a little longer, we may owe 65,438+10,000.

Second, the consequences of overdue are serious, which is directly proportional to your overdue time:

1. Credit collapse. Your credit report continues to be tainted, and then it is not feasible to check the credit of a loan or apply for a credit card at any bank.

2. Accidental collection. You will receive a collection call from the bank. The frequency is not high, but it may also be outsourcing collection calls, more than a dozen a day, and even affect your family.

3. facing prosecution. If you owe tens of thousands or more, it is impossible to cheat the bank and play the game of hidden success. The more you hide, the faster you will be prosecuted, ranging from three months to not too late. If you become an old lai, or go to prison, you will be miserable.

Related Q&A: Related Q&A: What should a regular loan company do if it has no money within the time limit? With the rise of online lending platform, it is easier and easier for everyone to handle loan business, but the repayment is not necessarily. Many borrowers have encountered the situation of easy repayment of loans, and some people have no money on the repayment date, thinking of waiting until they have money.

Although the starting point of this idea is good, the borrower must not do so, otherwise it will cause many bad consequences.

If loans overdue, the borrower really has no money to pay back, then don't put it off until you have money, because once the borrower is overdue, it will face the following adverse consequences:

1. Penalty interest: After loans overdue, the lending institution will charge the borrower the overdue fee from the overdue date, and the overdue interest will generally be collected on a daily basis. As long as the borrower fails to pay off the debt, the overdue fee will always be incurred. After a long time, the borrower may face high overdue interest;

2. Collection: If the borrower fails to repay the loan within the time limit, the lending institution will collect the loan from the borrower, and various collection messages and telephone calls will have a certain impact on the borrower's normal life;

3. Personal credit leaves a bad record: even if the current online lending platform does not access the central bank's credit information, it also accesses third-party credit information or online lending big data. If it is overdue, personal credit will be affected.

4. Being sued by the lending institution: If the user is overdue for a long time, the lending institution may sue the borrower, and the borrower may face overdue litigation.

It can be seen that after loans overdue, it is impossible for the borrower to wait until he has money. The correct way is that the borrower should take the initiative to contact the lending institution and explain his situation. If repayment is really difficult, he can apply to the lending institution for deferred repayment or pay the minimum repayment amount first.

If possible, it is suggested that overdue users borrow money from relatives and friends around them first, pay back the debts owed by lending institutions first, and then pay back relatives and friends slowly to avoid generating more repayment interest.

I would like to remind you that when handling the loan business, you should apply for a loan according to your repayment ability, so as to avoid the inability to repay.