So those friends whose credit cards are overdue for three years must know the following information, or they will regret it.
I have worked in a bank for three years, and I found that people who handle credit cards are basically around the age of 2 to 3, and they don't have much savings at all. Everyone holds several credit cards, and basically they rely on cards to raise their cards, robbing Peter to pay Paul, which often not only doesn't work, but the money they owe is snowballing? .
many people simply don't pay it back, but some people are surprised that they have applied for a credit card at the bank for three years, but they have not received a phone call from the bank or a lawsuit from the court? Does it affect you? How to solve it?
next, I will answer them for you. Let's talk about the credit card overdue for three years. Why didn't you receive a phone call from the bank and a lawsuit from the court?
(1) The overdue amount is not large, and the bank has handed over the debt to a third-party collection company.
I wonder if you have received such electricity in your life?
Hello, we are a bank. Your friend Wang Moumou has been overdue for eight months. If you can't contact him again, you will bear the money.
But the person mentioned on the phone is someone you know, or your relatives and friends. They owe money overdue, so why call us?
Because anyone who applies for a credit card will leave his mobile phone number and other emergency numbers when borrowing money, this is because the bank is afraid that it will not be able to contact the cardholder in the future, so it calls the friends around the cardholder to make a dunning.
Generally, in this case, it's a credit card or the loan is overdue for a long time, and the bank doesn't answer the phone several times, so it can only hand over the overdue credit card to a third-party dunning company.
that's why the bank doesn't call to collect the overdue payment for three years. It is very likely that your phone can't be contacted and you can only give it to a third-party dunning company, and the third-party dunning company will call you the mobile phone number left by the card.
A friendly reminder here is a digression: Never let friends and relatives around you leave your mobile phone number when they apply for a credit card or borrow money. Once he can't get in touch, he will give it to a third-party dunning company, which will bring great trouble to his life.
(2) The overdue amount is relatively small. When the bank can't contact you, it has turned this account into bad debts.
what are bad debts?
it means that the debtor can't be contacted for a long time, and the bank can't recover the money, and the amount owed does not exceed the safety index, so the bank can only give up the collection.
Don't get lucky here. Just because the bank gives up the collection doesn't mean the money doesn't have to be returned.
In the bank's system, there is still a record of your overdue bad debts, and your credit information still has this stain. If you don't pay back this money for the rest of your life, this stain will follow you for the rest of your life. The money owed to the bank will have a certain interest every year. When you check the credit information, you will be clearly typed out, and there is an extra interest. This single account must be paid back, and this bad debt will be paid off.
I'd like to remind everyone here: When it's all right, especially in rural areas, parents must take their ID cards to check their credit information. I have found many problems. Many middle-aged and elderly people in rural areas have their ID cards taken for loans when they are young, but they don't know anything about it. When they check their credit information, they have a bad debt in their credit information records, and the interest is too high.
(3) The overdue amount is too large, and the bank has sued you, but you have changed your contact information and address.
there is a safety indicator in the bank, that is, if the overdue payment is more than 1, yuan, the bank will sue you in court, and the court summons will be sent directly to the address and mobile phone number left by you when you apply for a credit card. It is possible that during the midway, the mobile phone number you changed and the summons for moving to a bank to contact your court will not be delivered to you.
even if the court summons is not delivered to you, if you repay the loan on time according to the court summons, the court can list you as a untrustworthy person through default judgment.
once you are included in the list of untrustworthy people, you can't take a train, a plane or spend too much money, which will have a certain impact on your children's later school work.
the above is the reason why the bank doesn't call to collect or sue the credit card after it is overdue for three years. So how can we solve such a thing?
The best way is to repay the loan as soon as possible. The longer it is delayed, the more serious it will be. When the bank can't contact you, it will be classified as a bad debt. However, this money must be repaid, which will generate interest every year, and there will be a stain on your credit information, which will affect your later loan to buy a house. The longer it is delayed, the more interest it will be, and the more serious the situation will be. It will be five years before this stain will disappear.
If the overdue amount is too large, the bank will definitely sue you. At first, the court will serve you with a subpoena, asking you to make repayment within the specified time, or you will be tried according to law and put on the list of untrustworthy people. Once you are included in the list of untrustworthy people, it will have a great impact on you or your children.
For example, you can't take the train, flying is expensive, and you can't do anything about your ID card, which will affect your children's going to school and joining the army later.
whether it is a large overdue debt or a small overdue debt, there is a certain amount of interest, and it is a compound interest. Once you owe money for a long time, this interest is likely to exceed the principal you owe to the bank, or even more, and there are liquidated damages. These things add up to a lot of money, and you can't escape this account.
Although it is said that the bank will not demand payment or prosecute now, the longer this account is delayed, the worse it will be. The best solution is to return it as soon as possible and owe the bank money. Write to the end: it is only natural to pay back the money you owe the bank, not to mention the money you owe the bank. The bank is not afraid that you will not pay back the money. There are plenty of ways to make you pay back the money on your own initiative, so don't owe the bank money. Pay it back as soon as possible, and don't be overdue. This is the best solution.