owing credit cards is nothing now. There are many people who owe them, including myself. I also owed 15, yuan to the Bank of Communications before. Because I couldn't pay it back, it was overdue. Then all kinds of collections came, and the address book exploded, and my parents knew about it. Then I stopped talking about it, changed my phone number, and then the interest doubled after more than two years. I also negotiated with the bank to repay it in installments before. There was no way to negotiate, so I simply ignored it. After three years, I went to check the credit and then it became a bad debt. At this time, I started to pick up the phone and call the customer service again. I called the customer service for the first time and said to apply with the above. Then I called the customer service again after 1 days. Later, a specialist contacted me and said that the interest could be repaid by half, that is, 15,6 yuan. I said that I didn't have that much money to repay, and then I didn't negotiate. This time, they let go and said that they only need to pay back 12, yuan. At this time, there is only 1,5 more interest. I don't think it matters. I just said that 12, yuan is ok, but I have to pay it back in 12 months, because I don't have enough money to pay it all at once. If I only pay back the principal, I can still think of a way. Finally, it is negotiated, and only the principal is 1,5 yuan! Anyway, after this incident, I also understand that it is a waste of money to spend hundreds of dollars when there is no money. In the end, it is not enough to pay interest. It doesn't matter what collection. When there is no money, I don't answer my phone. Any prosecution is false. It is all made by those who collect themselves! When there is no money, it's best to ignore it. It's useless to ignore it. Just as there is no money to pay back, call the bank to negotiate with you when you have money! Now the credit information is still slowly recovering! My personal experience! The real

senior Canon, I hope I can help you

First of all, Industrial Bank can give you a credit line of 1, yuan, and I believe your previous credit information and repayment ability is relatively excellent. Generally, the credit line for office workers is several thousand to several tens of thousands. The more naked your wealth is, the higher the credit line the bank will give you, and even give you more money, such as deposits, large banks, houses and cars, and self-operated companies. When you are suddenly in financial distress, unable to repay or even overdue, the bank will collect money from you, reduce the amount of your credit card or even stop it. If you don't pay back for a long time after the deadline, a bank has a high probability of bad debts and will sue you in court or even freeze the property under your name; Second, it will affect your credit information, and you may become a black household, that is, the so-called Lao Lai, which will have a serious impact on your future loans, travel and high consumption, and even the next generation will have an impact on studying, choosing a school and joining the army.

so: try not to owe credit card bills, even if you have the cheek to borrow money! ! If you can't borrow it, I'll give you some suggestions based on my personal experience and that of my friends around me: 1. Don't avoid the bank's phone calls, you can't escape, take the initiative to negotiate with the bank to delay repayment and ask them to give you a deadline; 2. If there is no negotiation, let's see if the bill can be divided into installments. Try to pay back a part of the bill every month, no matter how much, so that the bank can see your sincerity, so at least you won't be listed as the key recovery object!

finally, I wish you can get through the difficulties early and make a comeback.