You must change the minimum payment amount every month, which is one-tenth of the total amount owed. Even if one-tenth of one hundred thousand plus interest is added, the monthly interest will be about one hundred thousand. About fifty yuan! So you have to pay back at least 10,200 yuan every month!

The 6 cards you already have now should not be able to be used for installment. You can apply for a card worth more than 100,000 yuan, then pay off your existing 6 cards in full, and then use your 100,000 yuan for installment. If you pay 24 installments a month, it will be less than 5,000. If you still can't pay it off, you can divide it into 36 installments, which will be a little more than 3,000 a month. In this case, you will have to pay a lot of interest when you pay it off in full. There are two types of overdue credit cards. Situation: If the repayment date specified on the credit card is exceeded and the payment is still not made, the account will be overdue. However, some people fail to pay off their debts in time due to special circumstances.

Overdue payments should also be treated in two situations:

The first is intentional failure to repay the money, which is already very bad behavior in itself. Maybe these people feel that if they don’t repay the money, the bank can’t do anything to them. After all, the bank is a formal financial institution and not an online small loan. It’s impossible to go to your home to cause trouble. Maybe the bank won’t be able to collect the money and the bank will have bad debts. It's been written off, no need to pay it back. There are also people who deliberately change their numbers to avoid repayment, because they feel that there are so many people around them who have debts that they will not repay, and it will not have much impact if they owe the bank some money.

The second type is due to special circumstances. A small number of people forget to repay due to their carelessness; most people encounter difficulties and do not have the money to repay. They are helpless, but they Helpless. However, the bank is not unreasonable. In addition to the stipulated repayment period, it also gave a grace period of about three days. As long as the loan can be paid off within the grace period, there will be no problem. This is a benefit for those who forget to repay, and those who have no money to repay should also try their best to collect money to repay during this period.

Consequences of overdue credit cards: Perhaps many people still think about the consequences of overdue credit cards as affecting their personal credit report. But the consequences are far from that:

First of all, once there is a problem with your credit report, you may be blocked if you want to get a loan to buy a house or a car, or apply for a credit card. Review and personal credit investigation are the most direct forms of expression.

Second, you will receive reminder notices or lawyer letters from the bank, and collection calls have become more frequent, which shows that the bank's collection actions are already proceeding in an orderly manner.

Third, door-to-door collection. Generally, after calls and text messages fail to collect debts, there is a probability of door-to-door debt collection. Generally, door-to-door debt collection with credit cards is relatively formal. Ask the other party to present relevant documents and debt power of attorney, otherwise the other party can be refused entry. Home visits are also a means of collection, putting pressure on you by influencing your family and neighbors.