1. What will happen if the credit card is not repaid?

1. Interest

The consequences of credit card repayment always generate high interest. We must know that interest will be generated if it is overdue. The interest calculation bank will calculate it on a daily basis and compound interest on a monthly basis, so the interest will increase if the credit card does not repay.

2. sued

if the credit card has not been repaid for more than three months, the bank has the right to sue. After being sued by the bank, there is basically no room for turning back the overdue facts, which will not only cause economic losses such as litigation costs and attorney fees, but also face civil and criminal responsibilities.

3. Impact on credit investigation

If the credit card does not repay, it will affect the personal credit investigation. We should know that personal credit investigation is very important now. If the credit card is overdue, the bank will upload the overdue record to the credit investigation system of the People's Bank of China.

second, is it legal to collect credit cards at home?

if the credit card collection is carried out in accordance with legal procedures, it is legal. However, if the credit card collector commits violence, abuse and other illegal acts when collecting at home, it is definitely illegal.

At this time, it is necessary to pay attention to collecting illegal evidence of the collector, such as audio recordings and videos, and then report to the State Banking Regulatory Commission. If necessary, we can also ask the public security department for help, and don't use violence against violence, which will cause more serious consequences.

Third, what should I do about home collection of credit cards?

Home collection of credit cards can be negotiated with the collector to inform him of his current economic situation, and then let the staff know his willingness to repay, pay attention to his sincere attitude, properly reflect on his mistakes, and avoid future home collection.

after that, take the initiative to go to the bank to discuss specific matters with the department. It is worth noting that credit card door-to-door collection should also pay attention to keeping the recording of the whole process, and at the same time, be careful not to give money to the collector.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.