Hello card friends, you said that you have a debt of more than 200,000. To be honest, this amount is not too much compared to many card friends, but if you are completely overdue, it is an astronomical figure. I will give you a few points. A little advice, I hope it can bring a ray of light in your dark time now.

First, you currently have a debt of more than 200,000 yuan. Does the limit of a single credit card of 50,000 yuan include the temporary limit? If it is reached and you have been overdue and lost contact, and the bank entrusts a third party to collect the money without success, you may be prosecuted for credit card fraud according to Article 196 of the Criminal Law.

Second, with a debt of more than 200,000 yuan, what state are you in now? Are you still continuing to work, or have you hidden away and stopped working? Cardholders must work and never give up. Work during the day, set up a street stall at night, and deliver food. You may not be able to do it if you work hard, but you will definitely not be able to do it if you don’t work hard. Besides, who says you can’t do it? Cardholders who owe more than you have their own debts. Turn over slowly.

Third, have you tried to communicate with the bank about personalized installment? You can communicate. If successful, make a good plan for up to five years, so that you can pay it back slowly. As far as I know, in this case, the bank also hopes that you can pay off the debt in a planned way. This means that you can negotiate with the bank, for example, ask the bank whether or under what circumstances it can stop the interest. Otherwise, you will not only have a debt of more than 200,000, but a debt that will continue to grow. ?

Fourth, if the debt is overdue for a long time and multiple collections have failed, you have a high chance of success if you negotiate personalized installments, because at this time, the bank no longer expects interest and will recover the principal. Already very happy, this is your chance too.

Fifth, after your personalized installment is successful, you must fulfill your promise, otherwise the consequences will be very serious. You have been given a chance. You must cheer up and work hard. If you are decadent, lazy and slippery, You can never turn over.

I have a friend with a credit card debt of 250,000, CMB 8.6, Communications 4, Ping An 2.4, Guangfa 6, Industrial Bank 4. I am really overwhelmed by debt. The daughter-in-law filed for divorce because of this, and she wanted to take the child away for fear of affecting the child. Later, my friend was afraid that his wife and children would be separated and he finally faced it positively. I chose to negotiate personalized installments and use 80% of my monthly income to repay the loan. Although it was tighter and took longer, it reduced a lot of burden and saved the family! Now I work hard every day and earn money to pay off my debts.