If you don't receive the card within the time limit, please call the issuing bank for details. And if it is lost, the bank will reissue it.
1. How long is the overdue credit card blacklisted?
1, as long as it is overdue for more than 90 days, it is generally a black account, which is the standard of most banks.
2. Under normal circumstances, the personal credit card bill is overdue, and the bank will collect the debtor in accordance with relevant regulations in the first three months.
3. If the collection is successful within these three months. Then the bank will not carry out the next collection. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for three months, the bank can go through legal procedures.
Second, won't credit cards owe money to jail?
1. If you don't return your credit card, you may go to jail.
2. If the credit card is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.
3. Those who refuse to pay back after prosecution and owe more than 50,000 yuan have the purpose of illegal possession, and the court will punish them according to Article 196 of the Criminal Law for the crime of credit card fraud.
Third, what should I do if I am fooled into doing a card?
(1) Take care of the card and don't activate it.
I was cheated into getting a credit card, but I didn't want to use it. Don't activate the card when it arrives.
The credit card is not activated, which is equivalent to just getting a card and can't be used.
If you don't use it, it won't affect you personally.
It is recommended to keep your credit card safe. If you want to use it in the future, just activate it
Don't throw it away at will, it will be more troublesome to use it or check it later.
(2) Activate and then cancel.
After the credit card is processed, even if it is not activated, it will reflect the card handling situation on the personal credit report.
Although it is not necessary, there will still be a card processing record.
Some credit cards also have annual fees and consumption requirements.
If I don't feel at ease and really don't want to use it, I can activate my credit card first and then cancel it after a while.
After the cancellation of the credit card, there will be no impact on the individual.
(3) Activate the credit card and use it correctly.
Credit cards have become very popular and have been integrated into our daily life.
When we have no money but need money badly, credit cards can solve our urgent needs.
In addition, after using a credit card, if it has never expired, it shows that we are a trustworthy person.
So using a credit card won't do any harm.
Now that the credit card has been processed, it can be used normally. Don't spend money recklessly. Repayment on time can increase the credit card limit and form a good record on personal credit information.
In addition, it is not appropriate to handle multiple credit cards. If you can't get a credit card, you shouldn't. If you apply for a credit card, you should check the credit information once, and there will be a card handling record after successful processing.
Too many credit cards, if poorly managed, can easily lead to bad credit, which has a great impact on personal credit.
If there is a demand for useful cards, there is no annual fee for one or two cards, and a low card fee is also possible.
For frequently used credit cards, banks will also increase the credit limit, which is much more convenient than running many credit cards with low credit limits.
legal ground
People's Republic of China (PRC) social insurance law
Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.