1. Is it true that there will be no problem if the credit card is overdue for 6 years?

It is impossible to say that there will be no problem if the credit card is overdue for 6 years. After a credit card is overdue, the overdue record will be submitted for credit reporting. If it is overdue for 6 years, the overdue record will also be kept for 6 years. This kind of overdue record has formed a serious credit stain and has been blacklisted by the bank. No matter what credit business the user applies for, it will not pass the review.

In addition to becoming a credit fraudster, you also face very high interest rates and liquidated damages. Even if you don’t originally owe much, the interest will double. In such a serious overdue situation, the credit card will definitely be frozen or even deactivated. If the debt is large, tens of thousands or more, it is impossible for the bank to wait for 6 years and then sue within 6 months.

2. Can the repayment be negotiated if the credit card is overdue for 6 years?

In such a bad situation that the credit card is overdue for 6 years, it is usually not possible to negotiate the repayment. The best time for negotiation has passed. opportunity. At this time, you must basically repay the principal and penalty interest together in accordance with bank regulations. If you are able to repay, even if it has been several years, the bank will welcome you to communicate with you for repayment. It is of course best to recover the arrears.

If six years have passed, the bank may have temporarily treated the debt as a bad debt. Every bank will have bad debts every year. In this case, the cardholder basically enters the bank's dark room and has basically no chance of having access to the bank or other credit loans. There is basically no chance of suspension of suspension of accounts, unless there are special reasons such as imprisonment or serious illness for overdue payment.

3. Will you go to jail if your credit card is overdue for 6 years?

If you simply owe money, you will generally not go to jail. If you maliciously default on repayment, deliberately change your mobile phone number during the overdue period, or otherwise avoid tracing or transfer property, it may constitute a crime of credit card fraud, and the bank can call the police to pursue criminal liability for credit card fraud.

In the case where the amount of debt exceeds RMB 50,000, users who do not repay overdue payments for more than 3 months and have no intention to repay will be deemed to be malicious overdrafts, and the cardholder will be required to bear criminal charges if prosecuted by the bank. responsibility. On the other hand, if the debt is relatively small and the bank does not take the time to sue, it will basically mean that the credit report is bad, the interest rate will be extremely high, and consumption and travel will be restricted

If there are any unclear or new situations, it is recommended that You can call us directly for free consultation so that we can understand the communication case situation and provide you with detailed and targeted answers to avoid incorrect answers due to incomplete information and poor communication. I wish you success in safeguarding your rights.