1. What will happen if your credit card is overdue for more than 10,000 yuan?

First, when you find that your credit card is overdue for more than 10,000 yuan, you must first Get in touch with the bank as soon as possible and pay off the bank debt in full to minimize the negative impact of overdue credit cards. He also took the initiative to contact the bank and explained to the bank the reasons for his overdue credit card, hoping to gain the bank's understanding with a humble attitude.

Second, if you find that your credit card is overdue for a long time, the bank may have reported your bad personal credit record to the central bank’s credit department, and your personal credit record will be There will be bad records. At this time, you have to continue to use the credit card and cannot destroy the credit account because it has been included in the personal credit report.

Third, when you find that your credit card is overdue for more than 10,000 yuan, and you are currently unable to repay the debt. You should contact the bank as soon as possible, negotiate the installment repayment plan with the bank in a friendly manner, and show your clear intention to repay.

2. How to deal with overdue credit cards

The People's Bank of China has made an official response to the situation of overdue credit cards, saying that it will do its best to help credit card holders who are overdue. The debtor can reduce the repayment pressure of overdue credit card holders to an acceptable range, so that everyone who uses a credit card can accept a monthly repayment amount.

Previously, according to the relevant provisions of the Civil Code and relevant departments, under special circumstances, credit card holders could apply for a personalized installment repayment plan from the bank for special reasons, with a maximum of 60 installments over 5 years.

3. What will happen if the credit card is overdue?

In the credit card services provided by my country’s commercial banks, generally when the “repayment date” is approaching, the payment will be sent via text message or email. A way to remind credit card holders to pay their bills on time.

When a credit card is overdue and exceeds the credit card repayment grace period set by the bank, the staff of the bank's credit card center will remind the cardholder by phone and urge you to make the payment within the specified period. The bank debt must be paid off in a timely manner.

In addition, if your credit card is overdue and has exceeded the repayment grace period set by the bank, the bank will charge credit card overdue interest, credit card overdue penalty, etc. according to relevant regulations. If the overdue credit card is serious, the bank will report the credit card's overdue bad record to the central bank's credit reporting department, which will have a negative impact on your personal credit score.

Don’t panic if your debt is overdue. Legal assistance will help you negotiate, and a professional team of lawyers will plan a repayment plan for you one-on-one.