The worst result of overdue credit cards is that they are not returned. Until the end, there are only two results: one is that the bank has not repaid the money after suing the court, and the bank can apply for enforcement and freeze the bank card in its own name. If there are real estate, automobile products and funds under its name, all of them will be frozen, and then these assets will be disposed of, and the proceeds will be used to repay debts, and may also be included in the list of people who have been executed for dishonesty; The other is that the overdue amount is more than 50,000 yuan, which is recognized by the bank as malicious overdraft, which constitutes the crime of credit card fraud, and then the case is investigated. At this time, if you can pay off all the debts, you can avoid punishment, otherwise you may face jail. Your total credit card debt has exceeded 50,000 yuan, so you should pay special attention to avoid being identified as malicious overdraft.

Of course, this situation rarely happens, but it is not without it. Therefore, in order to avoid these situations, we should deal with the overdue problem as soon as possible, and we can choose to stop in stages, which can be divided into 60 periods at the longest.

How often do you swipe your card or twice?

There is no specific rule on how often to swipe the credit card twice. As long as the credit limit has not been used up, you can continue to swipe your card at any time. However, it is suggested that cardholders should not swipe their cards at the same time every day, or the time interval of swiping cards is an integer. Such a card swiping behavior will be considered as a credit card cashing behavior by the bank's risk control system, and it is very likely that the card will be frozen.

2. Is prepayment by credit card taboo?

If the user chooses to prepay before the bill is issued, it will only shorten the interest-free period of the credit card, which is not a big taboo. After the credit card installment business, it is occasionally possible for users to choose to prepay, but banks often earn less fees through prepayment, so banks may think that users' loan demand is not great, thus reducing the credit line of credit cards. For users, whether credit card prepayment is taboo depends on the situation, as long as it is not often repaid in advance, it will basically not have a negative impact.

Third, several credit cards will be owed more and more.

If several credit cards are repaid in cycles, the debt will definitely increase. Revolving repayment can only be made by credit card withdrawal and credit card bill. Credit card withdrawal requires interest and handling fees, so the more credit cards participate in cash withdrawal, the more they owe. After all, the credit card itself provides interest-free service, and users are playing drums everywhere, which has increased a lot of interest. Users can't repay in full, so they can choose the minimum repayment amount or installment repayment. Although they will also charge interest, the risk of overdue is not as great as before.