If there is no money to pay back the credit card arrears: 1, if it is only temporarily unpaid, it will only generate interest and late fees. 2. However, if you know that you are unable to repay, you still overdraw the principal 1 10,000 yuan or more, and you still don't repay it for more than 3 months after being collected by the bank twice, it is suspected of malicious overdraft and may be subject to criminal punishment. Article 196 of the Criminal Law Whoever engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. Legal basis: Article 108 of General Principles of Civil Law of People's Republic of China (PRC). The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be sentenced to compulsory repayment by the people.

How to collect credit card arrears? These methods are the most common.

In real life, there are often such a group of people who think that their cards can be overdrawn without repayment, but they don't know that they will be collected by the bank if they fail to repay after the deadline. However, the means of bank collection are endless, which makes people hard to prevent, and finally seriously affects daily life and work. Here's how the bank collects credit card arrears.

What are the common collection methods?

According to different situations, banks will have different collection plans. Let's take a look at them together.

First stage

This refers to the period from the last repayment date to the next billing date, that is, one month overdue, and the bank will remind you to repay quickly by SMS or telephone. During this period, in addition to the principal owed, there are also liquidated damages and interest.

stage Ⅱ

This refers to the second month after the deadline, that is to say, if two bills have been paid after the deadline, the bank will officially start to collect them, and you will receive a phone call from the collection staff. The arrears at this stage are compound interest generated by default interest on overdue principal.

The third stage

At this stage, the bank will intensify the collection after three bills are overdue, not only for itself, but also call your emergency contact to remind you to repay. In addition to the pressure from the bank, you have to face the colored eyes of friends and relatives.

The fourth stage

It means that you are overdue for three months, and the bank has made effective calls and text messages for you twice, but you haven't repaid the money yet. The bank staff may come to your house to collect the money and have an interview with you. If you can't get in touch, the bank will go to your household registration and let friends and relatives tell you, which will indirectly put pressure on you.

The fifth stage

If the above collection methods fail, the bank will report the case to the police station or directly to the overdue cardholder, and the public security organ will intervene in the investigation after filing the case. If you are found to have maliciously overdrawn, which constitutes a credit card crime, then you will be investigated for criminal responsibility, and you may be arrested and punished, and even need to repay after punishment.

How to deal with long-term unused credit cards? Try to do this.

I believe that many people now have several credit cards in their hands, and many of them will be idle if they don't use them for a long time. This is not good. One may deduct the annual fee, and the other may have security risks. So, if you really don't need it, the best way to deal with it is to cancel it.

Of course, credit card cancellation is not casual. You can follow the following steps:

1. Settlement of arrears and balances:

After choosing a credit card that has not been used for a long time, it is best to call customer service to ask if there is any arrears or excessive repayment. Pay off the debt as soon as possible, and you can brush off the overpayment. Of course, you can also choose to take it out, but you may have to pay a fee to the bank.

2. Run out of credit card points.

Credit card points are a kind of benefits given by banks, and they will be cleared if they are cancelled. Unfortunately, the points saved for a long time are useless. General uses include credit card exchange for goods in integral mall and airline card exchange for mileage. If you cancel your card instead of your account, see if you can transfer the points from this card to other cards in the same bank.

3. Officially cancel the credit card

Credit card cancellation is divided into card cancellation and account cancellation. If you cancel all cards with the same bank name, you should choose to cancel the account. Just cancel one of the cards and choose to cancel it. Don't make mistakes. You don't need to go to a bank outlet to cancel your account. Just call customer service to apply. As long as you confirm that there is no balance and arrears in the card, you will handle it for you. There is no refund and arrears within 45 days, and the account cancellation is successful.

Finally, don't forget that after the credit card is cancelled, your credit card will naturally be useless, but in order to avoid information leakage, it is best to cut the card.

What should I do if my credit card is in arrears?

The solution to credit card arrears for many years is as follows:

1. Borrow money from relatives and friends to temporarily make up for the loopholes. If it is only a temporary situation, there will be enough funds soon; Then you can borrow some money from relatives and friends and pay it back when the funds are in place.

2. Apply for deferred repayment. In case of unexpected circumstances, such as hospitalization or unemployment, you can contact the bank customer service. Tell the customer service about your real situation, and then apply for deferred repayment.

3. Apply for installment repayment by stopping interest payment when the situation is serious and repayment is relatively more difficult; You can contact the bank customer service. Provide relevant materials to apply for deferred repayment and installment repayment.

4. Negotiate with banks to reduce credit card debt. If negotiation fails, credit card debt can be reduced or exempted through judicial organs.

What should I do if my credit card is in arrears?

1. If you don't pay it back temporarily, you can pay it off later, and only interest and late fees will be generated. 2. However, if you know that you are unable to repay, you still overdraw the principal 1 10,000 yuan or more, and you still don't repay it for more than 3 months after being collected by the bank twice, it is suspected of malicious overdraft and may be subject to criminal punishment. Article 196 of Article 68 of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever engages in credit card activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law. "

Why don't I have to borrow money to pay back my credit card?

Let's look at the bill details first. Is it an annual fee? If so, you can call the customer service hotline to ask if you can refund the annual fee through makeup. If not, be sure to pay off the arrears on time.

Credit card repayment amount refers to the amount that the cardholder has paid the current bill, and the payable amount refers to the amount that the cardholder spent by swiping the card before the bill date, which needs to be returned before the final repayment date. If the repayment amount is greater than or equal to the repayment amount, there is no need to repay the credit card. If the repayment amount is less than the repayment amount, the difference will still be paid.

Credit card repayment method:

First, automatic repayment

When applying for a credit card, the applicant selects "Automatic Repayment" in the column of "Repayment Information" and provides a debit card, current all-in-one or current savings account or account number in his name. After the credit card is successfully opened, if there is no abnormal account, automatic repayment can be completed before the due repayment date.

If "automatic repayment" is not selected when applying for a credit card, after the credit card is successfully opened, you can contact the bank customer service staff or the counter to handle the self-service repayment business, or you can automatically set up and open the automatic repayment service through the network.

Second, actively repay.

Online bank transfer: through the "inter-bank collection and payment" service of our online bank, we can repay CCB credit cards with debit cards from other banks or directly with CCB savings cards.

Mobile banking transfer: instant repayment through CCB's mobile client.

Bank-assisted terminal repayment: In CCB's self-service terminal repayment service machine, you can use self-service equipment such as debit card deposit and withdrawal machine (CDM) or automatic teller machine (ATM) to transfer money to credit card for repayment; You can also make self-service repayment in cash through the deposit and withdrawal machine (CDM). If you forget to bring your credit card for repayment, you can also manually enter your credit card through "no card deposit" to easily repay.

Counter repayment: cash repayment can be made at the counter of CCB outlets, and repayment can also be made by transfer to credit card account through CCB debit card, current all-in-one account or current savings account. Inter-bank repayment can also be made through the counters of other banks. Please consult the transfer-out bank for the specific charging standard of inter-bank repayment. After the repayment record is successful, CCB will send SMS notification.

Repayment of cooperative institutions:

Alipay: You can log in to Alipay to choose the "credit card repayment" business, and transfer the funds from other banks' savings accounts to our credit card accounts for free repayment through such payment methods as fast payment by savings card, online banking by savings card and one-card by savings card.

Tenpay: You can log in to Tenpay and choose "Credit Card Repayment" business, and make free transfer repayment to the credit card account of China Bank through online banking, express payment and other payment methods.

Note: Credit cards should be repaid in time to avoid leaving bad credit records.

So much for the introduction of how credit cards are useless and owe money.