Credit investigation: You know very well that the credit card is overdue for more than 15 days, which is basically a credit investigation at the meeting. If there are overdue credit records, it will affect the commercial loans in the past five years, such as buying a house by loan, buying a car by loan, and handling credit cards. Generally, I only look at the credit records in the past two years.

Blacklist: Blacklist refers to Lao Lai, that is, after the credit card is sued by the people's court, if you refuse to repay it, you will be blacklisted and become Lao An Lai, which will affect your flying, high-speed rail, high consumption, children's private schools, children's military schools and civil servants, and the policies in different regions may not pass. As long as it is paid off, it will be fine, and apply to the court to cancel the list of Lao Lai.

Defendant: According to the regulations, it is possible to sue if the principal of a credit card is overdue for more than 3 months and exceeds 5,000 yuan, but this situation is very rare in reality. Generally, the principal of a credit card is more than 50,000 yuan, which is inconsistent. I can't reach you by phone. If it is overdue for more than 6 months, the probability of being sued will greatly increase. This is just a civil lawsuit. If you don't sue, the property under the auction name will be frozen, and the balance of bank cards, Alipay and WeChat will be deducted.

Prison: if the credit card is not returned, the possibility of imprisonment is relatively small. Those who owe less than 50 thousand principal are all civil lawsuits; If you owe more than 50,000 yuan in principal (excluding interest), you will report the loss maliciously and overdraw maliciously, and you will not be contacted by phone for more than 6 months. Those who fill in false information may be at risk of criminal prosecution and imprisonment.

In real life, the crime of credit card fraud is rare. As long as you filled in the real information when applying for a credit card, didn't lose contact, and were willing to repay, you basically wouldn't be put in jail. Banks also want to recover their debts, and they don't want to be so dominant.

Second, you are afraid of all kinds of fancy phone calls, door-to-door, lawyer's letters and court summons!

Telephone collection: normal collection is reasonable and legal. You must have a correct attitude. If the collection is harassing, threatening or harassing your friends and family, you can directly complain to the other party.

According to Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, only debtors and their guarantors can be called upon, and no third party unrelated to them can be called upon.

Door-to-door: Normal door-to-door collection is reasonable and legal. They will only know about you. If your financial situation is really bad, then they will leave soon. If it is illegal and threatened by violence, then you can choose to call the police immediately.

Lawyer's letter: If you receive any lawyer's letter, dunning letter, notice, text message or email address, don't worry too much, but you should rest assured that it is only natural to pay back your debts.

Court summons: If you receive a summons from any law firm, there are many threats, such as private messages and short messages, and a bunch of garbled words saying that you have sued. These are all collection methods.

The real prosecution will receive a short message from 12368, and these five-digit short messages will also receive a summons stamped with the official seal of the court in about 7 days. The specific time and place of the trial were clearly stated.

Third: the more afraid of paying back the money, what is the repayment order? Can we negotiate to stop installment repayment?

Comprehensive overdue repayment order:

Give priority to repaying credit cards with large local debts exceeding 50,000, and avoid prosecution and criminal responsibility. If you can't make a one-time repayment, you must contact the bank to negotiate repayment.

The second is to return small credit cards, and the probability of being sued by credit cards will be greater than that of online loans. Then go to credit platforms, such as mortgages, car loans and loans, and micro-loans. When you go to the credit platform, which platform will you give priority to? The key point is that the probability of prosecution of online loans is very small, the cost is not worthwhile, and the cycle is long.

Finally, there are some non-compliant online loans. This kind of debt is also the most troublesome. Most of them will be collected by all kinds of violence, threatened or even harassed at home, and your address book will be blown up. After you have saved enough principal, talk to them about reducing unreasonable expenses. If the other party disagrees, you can show them the legal procedures. I don't think they dare because their own behavior is illegal.

If it's only a few thousand dollars and all kinds of harassment, it's better to pay it back early to avoid physical and mental fatigue. If you have other plans, think for yourself.

Negotiate installment repayment: the technical term is "stop payment", not to say that payment is temporarily stopped there. Stop paying and pay back every month. 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 repayment amount exceeds the cardholder's repayment ability and he is willing to repay, he can negotiate with the card-issuing bank on an equal footing and reach a personalized repayment installment agreement, the longest of which shall not exceed 5 years.

Credit card overdue negotiation repayment skills, interest-free installment negotiation three steps:

First of all, prepare your materials, your debt and income certificate and give them to the bank, usually a credit report and income certificate issued by a company or unit. Prove that you have a stable repayment ability.

Second, what kind of repayment plan do you give the bank? For example, if you want to divide it into 12 periods, 24 periods, 30 periods, 48 periods and 60 periods at the longest, how much is each period? Specific to the detailed figures. This plan must be reasonable, acceptable to you and acceptable to the bank. If you owe 40,000 yuan, it is more reasonable to repay 2,000 yuan in 20 interest-free installments.

Third, if the bank or the collection company violates the rules, you can use it as a favorable basis for negotiation. Finally, we must make good money. If the law permits, you must try your best to make money. The premise of all repayment is that you have the ability to repay, otherwise everything will be in vain.