What else can I do? I should eat and drink, and nothing happened. My eight credit cards and Alipay flowers add up to 23,, which is one year overdue.
I was really scared when I was overdue at first. Every morning at 8: 3, all the banks called on time to collect money. At first, every phone call was answered. There was no other negotiation at the other end of the phone except asking you to pay back the money, and it didn't make you calm down to work at all, making you unhappy all day. Later, I simply didn't answer any phone calls, as long as it was a strange phone number, and then I started all kinds of SMS threats to explode the phone calls of my relatives and friends, which made me miserable, but there was no way. I am willing to bear all the consequences. In retrospect, I just owe money, not his life, no matter how much. If you want to go to jail, I will admit it. If you have any big moves, just bring them on!
I don't know from what angle you ask this question, but I believe this is also a problem that many debtors are concerned about. What are the consequences of overdue credit cards?
first of all, if your credit card is overdue, will you go to jail if you are sued? As far as I know, as well as the cases I often go to court to handle, there are very few. Every year, millions of users who sue for overdue credit cards are really involved in malicious overdraft of credit cards and bear relevant criminal responsibilities. No more than 1 people, you can know what the probability is. Among these dozens of people, you can look at the relevant documents. Basically, they are overdue for seven or eight years, change their identity information, evade debts, and never answer collection calls. Malicious fabrication of information to apply for credit cards, I think there are basically not many friends whose credit cards are overdue, and they can reach the point of malicious overdraft of credit cards one by one. Malicious overdraft of credit cards requires you to meet all the prescribed conditions. How can the bank prove that you are a subjective and malicious overdraft? This one alone is basically very friendly to people who are in debt with credit cards! Don't go to the restaurant to spend 1 yuan, and if it is overdue, can it show that you are subjectively overdue? There are real consumption records and consumption scenes, but there is no money to repay later! Most of those who bear criminal responsibility for credit cards overdue belong to theft, malicious cashing by groups, providing false materials to handle credit cards, etc. Therefore, I don't think there is anything to delve into this problem. If the credit card is overdue, it will be overdue. Try to pay it back. If you don't pay the full amount, you will negotiate with the bank for installment repayment. If you don't pay the installment repayment, you should pay as much as you have. At least you are in debt now, and your creditors' money is not used for nothing. Adults should bear the corresponding responsibilities themselves!
There are too many. According to the current data, none of the people who were sued for credit card fraud won the case. It's all in. So don't be lucky. If you didn't receive the ticket, you just ignored it. If you really ignored it, it would be too late.
The credit card you owe has never been returned, and the final result will definitely be sued by the bank to the court!
Note: This refers to debtors who have been unable to repay their debts for a long time, and other situations are beyond the scope of discussion.
When you start overdue, the bank first calls you to repay through the internal collection staff. After 1-3 months, you still haven't fulfilled your repayment obligations. The bank will transfer your materials to a third party for collection, and let them be responsible for the collection. I have written a special article about what the third-party company will do in the process of collection and what words to use to deal with debtors.
At a certain point in time, you still haven't paid the loan. The collection department where you apply for the card will consider whether to package you and other debtors and sue them in court. If a lawsuit is brought to the court, the worst result is nothing more than 15 days of administrative detention.
As for imprisonment, it rarely happens. Unless you are really suspected of maliciously overdrawing your credit card, you need a lot of evidence from the bank to list which one of your bills is maliciously overdrawn.
This is a heavy workload. The bank just wants you to pay back and reduce the bad debt rate, but it doesn't really want you to go to jail. If you can't repay the loan, you have to go to jail, and I'm afraid the prison is not enough.
So, don't worry too much. What you need to do now is to work hard and make money. When you have a stable income, you can negotiate with the bank to repay by installments to reduce the repayment pressure!
owing a credit card is a crime that leads to imprisonment, that is, "credit card fraud". First, you fraudulently use other people's identity documents to defraud the bank's credit line. As long as you are caught by the bank with valid evidence, you will definitely go to jail. Second, knowing that you are unable to repay, you cheat the bank's credit line. For the purpose of illegal possession, the bank can also sue you for credit card fraud. The evidence is valid and the court will sentence you to jail.
if it is not these two cases, after you apply for a credit card for normal consumption and repayment for a period of time, you are unexpectedly unable to repay it due to personal or family reasons, or you fail to invest to take out a loan to support a loan. These reasons are civil economic disputes, and many people cannot repay it for three to five years.
A friend of mine owed ICBC a credit card of 25, yuan in 28. He told me that during the first year or two when it was overdue, the bank made home visits and reported the case through investigation, which made people feel scared. I had never experienced these things at that time, and I felt that it was a big thing to owe money to the public. He didn't go home year after year. However, he is very smart, a businessman, and he has a lot of relationships and can handle things. In a word, he owed more and more later, and he didn't feel anything wrong with him. The last time I saw him was at a meeting place. I was told with a red face that I would go to Hong Kong for financing next month. It had been arranged, and I could turn over as soon as this sum was done! The eyes are shining! I haven't contacted you since, and I don't know if I turned over.
If the debtor has no money to pay back, there will be a phone call every day for repayment within three months. If the amount of money owed to the bank's credit card is relatively large, the bank will freeze the credit card and stop using it, and can only pay it back, but can't spend any more. If the bank urges it repeatedly or fails to pay back, the bank will sue the court. If the amount is large, it can be repaid in installments, and if it is not done well, it may be sentenced to jail. It is more troublesome to owe the bank a credit card leaflet of more than 5, yuan (excluding other deposits).
I'm surrounded by some friends and acquaintances who do business. In recent years, for various reasons. There are several people in debt, but they have been trying to climb the pit and go ashore. From the current point of view, you owe a credit card as long as you have a strong willingness to repay and don't lose contact for a long time. The bank will basically not prosecute you criminally. But you don't have any willingness to repay, and you play missing. Even if you owe 1, yuan, you can still be sentenced in criminal proceedings. In a word, you always have to change when you come out.
I know such a person, who is engaged in business. He can make money and spend money lavishly. I have been dating a girlfriend since college. This girl spends money, wears a business card, and sometimes eats a meal for more than 1 yuan. After eight years of dating, the girl's family proposes to buy a house before getting married. She usually spends all her money, sometimes swipes a credit card, and has no money to buy a house at all.
After breaking up with this girl, I received a summons from the court. I owed more than 4, yuan to my credit card, and I didn't have any money to pay it back. My family was worried that it would affect their children, so I borrowed money from my relatives to pay it back. The boy's mother also came out of the countryside and started working to help pay back the money.
after this incident, I got a girlfriend who can spend money. It's true that people are divided into groups! The boy was transferred to other places to work, so his girlfriend went to see him when she had no money, and returned to the local area when she had money. After three years of dating, I spent a lot of money, and the result was still a draw with a sieve.
Now that the big boy is over 3, he still does a good job, except that he doesn't save money, and his credit card is still in use, which makes his family worried sick.
People who owe money and debts to the bank will have different life conditions! First, work hard to make money, pay off debts and interest, and go ashore to become a free man! This is something few people can do! Most people owe money and debt to the bank, so it is impossible to repay the interest on time. The amount of interest accrued by the bank has doubled, and they are trapped deeper and deeper. Finally, the family will have to sell cars and buildings to pay off debts! If there is nothing the family can do, it can only become a person who has lost his trust and is blacklisted, even taking a high-speed train to fly! Credit cards, internet finance are all imported from capitalist countries, and it is evil money! It is a sharp weapon for capitalists to bind workers. It forces you to serve capital all your life, and willingly be exploited and squeezed to work hard!
It's a matter of course to pay back debts.
You can't escape debts. Banks will call for collection. Every week, each bank will receive 1-2 calls to tell them about their current economic situation. If you have money, you must pay back your bank first. If you are asked to pay back how much first, you will be relieved later. Don't believe it, because every penny you have now is interest and liquidated damages. However, your principal hasn't been reduced by one cent
If the economic situation has improved, you can call one of the banks to negotiate interest-free repayment by installments, and the longest time can be 6 installments. You can reduce the interest penalty
A single credit card with a limit of less than 5, is a civil dispute and will not be prosecuted
A single credit card with a limit of more than 5, is a criminal responsibility and will be prosecuted.