1. What to do if the credit card does not agree to negotiate repayment

If the credit card is overdue and the bank refuses to negotiate for installment repayment, then the only option is to follow the bank's requirements. Come to repay.

Generally speaking, if the overdue amount of a credit card is small, applications for negotiated repayment will generally be rejected. If the overdue amount is large, you can apply for negotiated repayment, but whether the bank will agree mainly depends on the user's credit qualifications. Through the intervention of the China Banking and Insurance Regulatory Commission, he will naturally take the initiative to negotiate with you. But now I find that many banks have recently had more overdue people, so their internal collection staff must be limited, so it does take some time to deal with it.

2. What should you do if you are sued by the bank for credit card debt?

1. If you are sued for not paying the credit card debt, you can negotiate with the other party in private to repay the loan in installments. , and then reach mediation.

2. If you owe a credit card and file a lawsuit with the bank, you may not necessarily go to jail. This depends on the specific circumstances.

3. Failure to repay a credit card debt when due is a breach of contract in civil law, and the debtor shall bear corresponding liability for breach of contract in accordance with the terms of use of the credit card.

4. Under normal circumstances: If the cardholder maliciously overdrafts more than 50,000 yuan of credit for the purpose of illegal possession, and if the card-issuing bank still fails to return it after two collections for more than 3 months, the credit card will be used as a credit card. Criminal liability for fraud.

3. What consequences will you face if your credit card is overdue?

1. Overdue credit card fees. The so-called late payment fee on a credit card refers to the fee that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18.

3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record.

4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder.

5. Criminal liability for malicious overdraft.

It is best to repay on time after using a credit card, and do not let overdue things happen, otherwise the consequences will be serious. If the cardholder really does not have the ability to repay temporarily, he can negotiate with the bank. If the bank refuses to negotiate if the repayment period is extended or interest rates are suspended, the cardholder must repay the loan on time and can borrow money from others to repay the debt.