1. What to do if your credit card is overdue

1. Actively cooperate with the bank. When a credit card is overdue, the bank will usually call for collection. You must actively cooperate with the bank and pay attention to answering the bank's collection calls. Under strict national supervision, violent collection is rare, so don't deliberately not answer the phone because you are afraid of violent collection. , this is likely to be considered by the bank as a malicious overdraft. If the overdue amount reaches 50,000 yuan and the cardholder is deemed to be a malicious overdraft, he may be held criminally liable. Therefore, after the credit card is overdue, actively cooperate with the bank's collection, inform the bank of the reasons for your temporary inability to repay, and express your willingness to repay to see if you can apply for negotiated repayment.

2. Credit card users can repay more or less every month. As long as the credit card users have repayment behavior, they can avoid being considered as malicious overdrafts by the bank. If the cardholder has repayment behavior, the bank will also We will not sue overdue users easily. We will pay a little more each month to show the bank that we are willing to repay the debt.

3. Try to apply to the bank for negotiated repayment. If you are temporarily unable to repay in full, you can apply for negotiated installment or deferred repayment. When negotiating repayment, you must explain the reason for your overdue payment and indicate that you will repay the loan. You must be willing to pay and have a sincere attitude towards negotiation, so that you have a chance to succeed in your application. If the bank agrees to negotiate, then you can repay according to the agreement after negotiation.

4. Try every means possible to pay off the debt in one go. Overdue credit cards will incur interest charges. If the overdue balance is not paid off for one day, interest charges will be incurred for one day. Therefore, in this case, it is recommended to borrow money from relatives and friends around you to pay off the debt in one go, and then Slowly repay your friends and family.

2. How long does it take for a credit card to be overdue before it is blacklisted?

1. As long as it is overdue for more than 90 days, it is generally a blacklist. This is the standard of most banks.

2. Under normal circumstances, if a personal credit card bill is overdue, the bank will collect the debt from the debtor in accordance with relevant regulations in the first three months.

3. If collection is successful within these three months. Then the bank will not take the next step of collection action. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for 3 months and fails to collect the credit card, the bank can take legal proceedings.

3. Will you go to jail if you owe money on your credit card?

1. You may go to jail if you pay off your credit card.

2. If your credit card is overdue for more than three months or if you fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also Sue you for credit card fraud and malicious overdraft, and the court will enforce it.

3. If the person refuses to repay the loan after being sued and the amount owed exceeds 50,000, the purpose of illegal possession is, the court will impose a sentence based on the crime of credit card fraud, Article 196 of the "Criminal Law".

Repay the loan as soon as possible. I hope you can put an end to the idea that you don’t have to worry about the repayment time after the due date. After the due date, you must find a way to repay the loan as soon as possible. Keep your mobile phone open and answer customer service calls.

After your credit card is overdue, you must contact the card-issuing bank promptly. Overdue credit cards cannot enjoy interest-free repayment. There will be no annual fee or other fees after canceling the credit card. If the credit card is not used for a long time, it is best to go through the card cancellation procedures. Before canceling the card, you need to make up the balance in the credit card, and then go to the bank to handle the card cancellation procedure with the cardholder's ID card and credit card.