Hello, using a credit card is also called a credit card. It is a relatively simple credit service that does not require direct cash payment. The name of the card-issuing bank, expiration date and other information are usually printed on the front of the credit card, and there is a signature strip and magnetic strip on the back. In a narrow sense, credit cards are divided into credit cards and quasi-credit cards. Generally speaking, a credit card mainly refers to a "credit card", that is, a credit card that allows small amounts and good-faith inducement of deposits first and consumption later. It is also a credit certificate issued by commercial banks or credit card companies to consumers with qualified credit.

When some people use credit cards, they do not have the ability to repay before the credit card repayment is due, so they simply do not pay back. Overdue payment will not only affect your personal credit record, but in serious cases you will be sued. For those who owe credit cards and are unable to repay, the card-issuing bank will naturally send text messages and call the other party from time to time for reminders. Overdue payments will be reported by the bank to the central bank's credit system, leaving a bad record in the cardholder's credit report. The bank will also charge penalty interest every day until the cardholder pays off the entire balance.

And if the cardholder does not repay the loan for a long time, the bank does not respond to multiple reminders, or even cannot contact the person. In addition, the amount of arrears is relatively large, the bank will still be in trouble. A lawsuit may be filed in court to obtain legal repayment from the cardholder.

If the cardholder fails to repay the loan after the court judgment, the court may enforce it, freeze the property in his name, and deduct the funds from the bank card in his name to offset the debt. Or assets may be seized or auctioned and the proceeds used to repay the debt.

If the court also finds that the cardholder actually has the ability to perform and deliberately failed to fulfill his repayment obligations, it is estimated that the cardholder will be included in the list of dishonest persons subject to enforcement.

The solutions to the problem of having no money to repay the credit card are as follows:

1. Credit card repayment

If you really can't pay off the credit card, you can repay it in installments. Credit card installments have no interest, but there are handling fees. In order to encourage cardholders to apply for credit card installment business, banks often launch some preferential activities, such as installment payment, gifts or installment fee discounts, etc. If you can participate in these discounts, you can also get some wool and save installment costs.

2. Minimum repayment amount of credit card repayment

The minimum repayment amount of credit card is also called the minimum repayment amount. If you have difficulty repaying the entire amount due, you can repay according to the minimum repayment amount on the bill, which will not affect your credit status, but you will not be able to enjoy the interest-free repayment period.

3. The cardholder takes the initiative to negotiate with the bank

Once the minimum repayment amount of the credit card cannot be paid, the best way is for the cardholder to contact the card-issuing bank immediately. Explain your situation, saying that you do not owe the debt maliciously, but that you are unable to pay it off immediately due to temporary changes in economic conditions, and apply for a deferral of repayment.

If a customer is sued by a bank for repaying a credit card debt, it is recommended that he contact the bank for negotiation before the court session and explain that he is temporarily unable to repay the loan and that he did not intentionally fail to repay the loan. At the same time, express your willingness to actively repay, see if you can get the bank to withdraw the lawsuit, and then try to apply for an interest suspension, extend the repayment period, and repay the debt in installments.

At the same time, you can also try to borrow money from family and friends around you. First think of ways to pay off the overdue credit card debt as soon as possible, and then repay the money to relatives and friends when you have money. In short, the sooner the debt is paid off, the better.

If the court has ruled that the customer must repay the loan as soon as possible, the customer must pay off the debt as soon as possible in accordance with the court's decision. If he still refuses to repay after the court's decision, he is likely to be listed by the court. They are included in the list of persons subject to execution for breach of trust. As a result, normal life and travel will be affected in the future.

In fact, the bank will not sue easily, unless the customer fails to repay the credit card after multiple collections after it is overdue, the bank cannot even contact the person, and the amount owed is huge.

Everyone must swipe the card according to their own consumption ability. It is correct to remember to repay on time after using it!