Current location - Trademark Inquiry Complete Network - Overdue credit card - Is the bank responsible for overdue credit cards? How to avoid overdue credit cards?
Is the bank responsible for overdue credit cards? How to avoid overdue credit cards?
Everyone must know the consequences of overdue credit cards. Many people can't borrow money to buy a car or house because of the bad credit record caused by overdue credit cards, and even many cardholders are jailed for malicious overdraft. Although the main body responsible for overdue repayment of credit cards is definitely the cardholder, the bank is the issuing bank, right? Is the bank really not responsible at all?

1. The bank is also responsible for the overdue credit card.

Credit card overdue cardholders should account for a large part of the responsibility, yes, but is the bank responsible? On the one hand, overdue repayment of credit cards will cause interest, which is one of the main sources of banks. On the other hand, if the cardholder fails to return the credit card within the time limit, it may lead to the decrease of bank funds and the disappearance of countless funds. Banks are beneficiaries or victims of overdue credit cards. So, are banks responsible for overdue credit cards? Many netizens have discussed this topic, which should be our common responsibility.

2. Banks should appropriately limit the number of cards that a single person can open.

According to statistics, more than 40% of credit cards have become zombie credit cards, and many malicious overdrafts of large credit cards are huge figures formed by many credit card overdrafts. A person holding credit cards from multiple banks is also one of the reasons why card friends form the habit of "keeping cards with cards" and eventually fail to repay on time.

When approving credit cards, banks do decide whether to issue cards and the amount of cards according to the applicant's financial strength. But when a person has multiple cards at the same time, his total amount far exceeds his repayment ability. Therefore, when banks approve cards, they can't just give extra points to applicants with existing credit cards.

3. Banks should be cautious about issuing credit cards to individuals with low repayment ability.

Credit cards with overdraft function are becoming a tool for many young people to nibble at the elderly. Some young people have to borrow credit cards from their elders, which is a vicious circle. However, if banks can be more rigorous in approving cards and more cautious in approving cards for people with no stable income, at least the amount is lower, will it reduce some malicious overdrafts? Secondly, for applicants who have just turned 18 years old, can they seek the opinions of their families? After all, children still have to find a family to pay.

For those younger individuals with low repayment ability, even if they occupy land, banks can limit their credit card quota by issuing low-limit credit cards, but this requires most banks to do so, and one bank alone cannot change this matter.

To sum up, credit cards are overdue. Obviously, as consumers, they should develop the habit of rational consumption and spend within their repayment ability. But obviously, banks are also responsible. Banks should also do what they should do, limit the number and amount of cards opened, and reduce the overdue of credit cards.