The best way to deal with it is:

1. Take advantage of the delayed service provided by the bank:

If the funds can only be repaid in one or two days, you can use the bank's deferred repayment service. General banks have a 1-3-day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Handling credit card installment or minimum repayment amount:

If you don't apply for a credit card in the short term, you can consider applying for a credit card installment or paying the minimum repayment amount. Although these two methods have to pay certain interest to the bank, they also avoid bad credit records caused by overdue.

I. Credit card

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Second, card issuers.

(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Third, application

1. Credit card In most cases, citizens with full capacity for civil conduct (Chinese mainland 18-year-old citizens) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises, institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

3. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

What should I do if my credit card is overdue and I have no money?

Credit card overdue without money solution: 1. Use the delayed repayment service provided by the bank: if the funds can be repaid in just one or two days, you can use the delayed repayment service of the bank, which generally has a delayed repayment service of 1-3 days. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank. 2. Apply for credit card installment or minimum repayment amount: If you don't get a credit card in a short time, you can consider applying for credit card installment or minimum repayment amount. Although these two methods have to pay certain interest to the bank, they also avoid bad credit records caused by overdue. 3. Effectively change the bill date: If it is expected that a bill may not be repaid at that time, you can apply to the bank to change the bill date before the bill comes out to extend the repayment period. Of course, the accounting date can't be changed. The details can only be confirmed by consulting the bank. 4. Find a friend or family member to borrow money for turnover: Find a friend or family member to turn around, first borrow some money to pay back the credit card, and then pay it back when there is more money. Article 196 of the Criminal Law, in any of the following circumstances, involving a large amount of credit card activities, 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.

What if the credit card is not repaid?

If the credit card is not signed for payment, you can negotiate with the issuing bank peacefully. If the bank examines the specific repayment ability of the parties, it will give them a set of specific plans to choose from, but the cardholder may have to pay more as the price of delaying repayment. Although it can be postponed, it can't be repaid maliciously or there will be legal punishment. For details, please refer to the following methods: 1 Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief. 2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. General banks provide the total energy of three, six, nine, 12, 18 and 24 periods. You can choose the number of periods according to your repayment ability, which can relieve the repayment pressure without affecting your credit. 3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once. 5. Actively negotiate with the bank to explain the situation. If you really can't get up for a while because of special circumstances such as work, you can take the initiative to call the bank and explain the reason, which proves that it is not malicious and there is a reason. Discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future. Delayed information credit card overdue repayment has serious consequences, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to pay back at maturity may not only lead to law, but also bear a high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life. 1. Consequences of overdue repayment of credit card 1: bear high penalty interest. After the credit card defaults, the liquidated damages usually involved are the revolving interest fee and the late payment fee. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded. 2. Consequence 2 of overdue repayment of credit card: triggering the law. Credit card violent collection has become a hot topic. Many credit card centers of banks outsource the collection of credit card repayment to some so-called "debt collection companies". The quality of these companies is mixed, and the methods of debt collection are rough, which brings great trouble to customers. 3. Consequences of overdue repayment of credit cards: leaving a "credit stain" in the national credit information system. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in the system. The "stain" in this report can't be ignored, and it will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years. Public overdue negative records no longer accompany life. If you can repay in full and on time within five years, your credit can be cleared. To sum up, the credit card is a voucher that many people who have jobs or incomes can spend in advance, but now that they have enjoyed the treatment of using money in advance, they should return the money owed to the bank on time. Don't wait until the bank takes legal measures to recover the money, otherwise it will easily affect the economic business of the later parties.

What if the credit card has no money?

Legal analysis: Credit cards must be repaid in time. If you really have no money, you can pay the minimum amount first. If you still have no money, it is recommended to ask your family for help. If the credit card fails to repay in time, it will bear legal responsibility. First of all, it will generate high overdue interest. Secondly, you will be caught by the bank, and you will have economic losses such as legal fees and attorney fees. Moreover, individuals will have bad credit records, which will have an impact on future bank cards and loans.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) implements the credit card under any of the following circumstances. If the amount is relatively large, he 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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(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.

What should I do if my credit card is overdue and I have no money to pay it back? I'll teach you three solutions.

When the credit card fails to pay back the money, there are three ways to solve it: installment payment, minimum repayment amount or temporary return. Never maliciously overdraw your credit card, which will affect your credit history.

Credit cards provide convenient financial services for people, but also easily lead to consumption. Don't "brush the card for a while and return two lines of tears".

Cardholders should pay attention to maintaining good card habits. If they can't repay in time due to excessive consumption in a certain month, they can take the following three measures.

The cardholder can apply to the bank for installment payment, and according to the number of installments, the cardholder will repay the bank in installments and pay the handling fee.

For example, the Agricultural Bank of China stipulates that the single consumption is above 500 yuan, the Industrial and Commercial Bank of China stipulates that the single consumption is above 600 yuan, and China Bank 1 000 yuan.

If Wang buys a TV set 12000 yuan, he applies for repayment in two installments (monthly), with a monthly repayment of 1000 yuan and a handling fee of 0.6%. The actual monthly repayment is 1072 yuan (1001.

If the cardholder has difficulty in repaying in full on the repayment date, he can repay according to the minimum repayment amount stipulated by the issuing bank, and the minimum repayment amount is 65438+ 00% of the total repayment amount.

For example, on May 1 day, Wang Hua 12000 yuan bought a TV set. On June 10 (repayment period), if the repayment cannot be made in full, the minimum repayment can only be 1200 yuan, but the interest concession during the interest-free repayment period cannot be enjoyed.

After May 2, if Wang wants to pay the overdue interest in full 12000 yuan (the interest rate is five ten thousandths), then Wang needs to pay the interest 6 yuan every day.

If the cardholder does not want to pay the bank installment fee or overdue interest, he can temporarily borrow money from relatives and friends to repay the credit card.

While maintaining a good repayment record, it can also reduce interest and handling fees.

But this method can't be used often, otherwise personal credit will be affected, and relatives and friends will question your repayment ability.

Cardholders must pay attention to maintaining personal credit records to avoid malicious overdraft.

When funds cannot be repaid in time due to temporary liquidity difficulties, the above three methods can be used to tide over the difficulties temporarily. It is most important to form the habit of rational consumption in daily life.

The credit card should be returned, but what if there is no money?

1. All credit cards should have a minimum repayment amount. Pay that back first, and the bank will not take legal action against you, nor will it affect your future credit! ! Don't take chances.

The easiest way is to borrow some from your friends and relatives. If few friends can borrow some, then ask the boss to get the salary first and supplement it to the bank first. However, Bian Xiao personally thinks that it is better not to let the boss return the credit card first, which will have a bad influence in front of the boss and may have an impact on his future promotion and development.

3. Summarize the credit card consumption by yourself every month and control the expenditure reasonably. For example, how much money was spent, where it was spent, and finally when I returned my credit card, I had my own impression.

4. In order to pay back the credit card, take out all ways to make money and pay back the bank in RMB as soon as possible. The way to make money here refers to the method from formal channels. Never do anything illegal to return the credit card, which will bring more harm to yourself.

5. No one borrowed it. If you have more than one credit card, you can take another credit card for emergency, and then return the money to the credit card that is in urgent need of repayment for a turnover, but remember that this bill must be filled up quickly after repayment to avoid the cycle of overdue repayment.