1. How to inquire about credit card arrears?

First of all, you can call the hotlines of major banks. If you apply for a card of China Merchants Bank, you can call the hotline of China Merchants Bank at 4008205555 and enter the manual service to check the credit card bill. After logging in to online banking (popular version or professional version), click Credit Card → Account Management → Unbilled Bill Query/Billing Bill Query to query, download and print the bill.

You can log in to Pocket Life, click "My → Review Repayment" in the lower right corner, click "Review Bill" in the column of personal consumption card account, and then you can choose to view: current bill, outstanding bill and historical bill. Or log in to mobile banking, and click this page to inquire about the outstanding bills and issued bills of credit cards.

Second, what if the credit card is unable to repay?

When the credit card is unable to repay, it is mainly considered to ask relatives and friends for help, or to repay in installments, and to spread the current excessive debt over several months. This can reduce the pressure of repayment, and it can always be paid off in 12 months. If the debt is too large, then consider looking for opportunities to "negotiate" with the bank to reduce the pressure of debt repayment.

The bank has a policy of stopping to pay the bill. If for some special reasons, such as unemployment, bankruptcy, etc. You can negotiate with the bank to hang the bill first and then pay it back when you have money. As long as there is no property in the name, no assets to pay off debts, but there is a willingness to repay, banks will generally agree to negotiate.

3. What are the consequences of credit card arrears?

If it is only temporarily overdue, the overdue time will be controlled within two months, and there will be no great consequences, just interest and liquidated damages. However, if the loan is not paid for several months, and the debt is more than 1 10,000, the credit card may be frozen, sued by the bank for repayment, and even included in the list of people who have lost their trust.

If you know that you have no repayment ability and overdraw the principal by more than 50,000, you are suspected of intentionally overdrawing your credit card. If you are prosecuted, you are in danger of going to jail. If the bank fails to repay the loan for more than 3 months after twice collection, it is suspected of constituting a malicious overdraft and may be subject to criminal punishment.

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