1. What to do if the credit card debt of 9,000 is still unpaid

1. If the credit card debt of 9,000 cannot be repaid, you can proactively contact the bank and ask The amount of debt and interest should be explained to the bank about the current situation, indicating that it is not that you do not want to repay the debt, but that you are really powerless, and express your intention to repay to the bank to avoid being sued.

2. After actively communicating with the bank, apply to the bank for personalized installment payment, and make reasonable installments based on your economic status and income expectations.

When you are unable to repay your credit card debt, you must not wait for the bank to collect the debt, but take active measures and proactively communicate with the bank.

According to the provisions of Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. Therefore, under normal circumstances, banks will handle it according to the actual situation.

2. What will happen if a credit card is overdue and sued

1. The bank’s continuous reminders

When a borrower overdue repayment, the bank’s credit card customer service The center will first make multiple phone calls; if the payment is still outstanding, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection; after repeated calls for payment but not repayment, the bank will The court prosecutes.

2. Being sued by the bank and unable to apply for a loan

The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, after investigation and If the cardholder refuses to repay the card after being persuaded and urged to repay, the court can take enforcement action; subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.

3. Malicious default will lead to imprisonment and fines

If your credit card is overdue for three months, it can be regarded as a malicious overdraft penalty. However, if you communicate with the bank in advance and prove your repayment, If you have a repayment ability and a repayment plan, you will generally not face criminal liability. However, the court ruled that cardholders who still do not return will be dealt with in accordance with the "Criminal Law". In serious cases, they may face consequences of three years in prison and fines. In particularly serious cases, they may face longer term imprisonment of three to seven years and a fine. fine.

If you are unable to repay your credit card, you should take the initiative to negotiate a repayment plan with the bank. If the bank repeatedly calls for payment after the credit card is overdue, the bank will file a lawsuit in court. If the cardholder refuses to repay, the court can take enforcement action, liquidate the cardholder's assets to repay the card debt, and freeze the relevant property.