1. How to pay off a credit card that is overdue for ten years

If a credit card cannot be paid off for many years, cardholders can use the following methods to solve the problem:

1. Borrow money from relatives and friends to temporarily fill the gap.

If it is just a temporary situation, you will have enough funds soon; then you can borrow some money from relatives and friends, and then return it to them when the funds are available.

2. Apply for deferment of repayment.

When unexpected situations occur, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Just tell customer service your true situation and then apply for a deferral of repayment.

3. Apply for suspension of interest payment and installment repayment.

When the situation is serious and repayment is relatively more difficult, you can contact the bank customer service. Provide relevant materials to apply for suspension of interest payments and repayment in installments.

4. Negotiate with the bank to reduce or reduce credit card debt. If negotiation fails, you can use judicial authorities to reduce or reduce credit card debt.

When a major change occurs in a credit card holder's life, he or she can negotiate with the bank to reduce the credit card debt. If the bank does not agree, the bank can be sued to obtain the court's consent to waive the credit card debt. In the following situations, you can apply to the judicial authorities :

(1) A credit card holder has a major life change, a major illness, disability or death

For example, if a major traffic accident occurs, resulting in lifelong disability and inability to take care of himself. Can obtain debt relief from the court.

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(3) The credit card holder loses the ability to work and changes from a person with full capacity for civil conduct to a person without full capacity for civil conduct.

For example, if a cardholder suddenly suffers from a neurological disease and changes from a normal person to a mental patient, he does not need to repay the credit card debt, and the court will also grant an exemption.

2. How long will it take for a credit card to be sued if it is overdue?

1. As long as the credit card debt is in default, the bank can file a civil lawsuit. Generally speaking, if the credit card is overdue for three months, the bank will take Legal action.

2. If the amount owed reaches more than 50,000 yuan and is still not returned for more than 3 months after two collections by the card-issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud.

3. Calculation method of overdue amount:

(1) From the second day of the last payment date to the next billing date.

During this period, the bank record is almost intact, but late payment fees and full interest will be charged. Banks generally do not collect debt during this period (but there are different banks), and will only remind you that the repayment period has exceeded through the SMS platform!

(2) Between the second bill date and the last payment date of the second bill.

Your credit record will be affected. During this period, banks generally use reminder collection, that is, the collection staff from the collection room of the credit card center will make reminder calls for repayment! Some banks do not conduct collection during this period. I want to earn more late fees and interest.

(3) Between the third bill date of outstanding repayment and the last payment date of the third bill.

Credit record has a greater impact. During this period, banks generally adopt guided repayment, and relevant collectors will notify you of the impact of credit record, etc. The consequences of non-repayment will also be affected during this period. Relatives and friends of the debtor can help remind the debtor to repay. Some banks are tough on debt collection and even have collectors disguise themselves as relevant lawyers to put pressure on debtors, but some banks are light on debt collection and only carry out reminder collection during this period.

(4) Between the fourth bill date of outstanding repayment and the last payment date of the fourth bill.

Credit history has a very big impact. During this period, banks generally adopt forced repayment. Senior debt collectors will require the debtor to repay through text messages and lawyer's letters, and the lawyer's letter will be sent to the borrower. Go to your place of residence and the unit you filled in when applying for a credit card, but at this stage the case will not be reported to the Public Security Bureau. Generally, you need to file a lawsuit with the court department before the public security department can intervene. However, the court will not accept credit card lawsuits at this stage.

If a credit card is overdue for ten years and cannot be repaid, cardholders can temporarily make up for the debt by borrowing money from relatives and friends; they can also apply for interest suspension and installment repayment. If a credit card is overdue, late payment fees and full interest will be charged. If the credit card is not repaid for a long time, it will constitute a breach of contract, and the bank can file a civil lawsuit against the cardholder.