1. Use the minimum repayment function
The credit card bill will have a minimum repayment amount, and the cardholder can repay it according to the minimum repayment amount, but the unpaid principal will generate a certain amount of interest.
2. Bill installment
After the bank sends the bill to the cardholder, the cardholder can installment the bill, and the cardholder can repay it in installments. The cardholder can choose how many installments according to his repayment ability.
3. Extension
The Civil Code stipulates that creditors and debtors can negotiate to extend the arrears. Therefore, the cardholder can negotiate with the bank to extend the arrears and sign an extension agreement.
4. Ask the actual user to repay
The cardholder can first collect relevant evidence to prove that the credit card is owed by the actual user, and ask the actual user to repay. If not, the cardholder can bring a lawsuit to the people's court.
How to deal with the stolen credit card
1. Report the loss.
no matter how you find out that your credit card has been stolen, the first step to do is to call the bank customer service immediately to report the loss.
2. Check the money at the ATM.
after reporting the loss, you don't need to replenish your card first, but go to the nearest ATM to find out your credit card balance. At the same time, this is the most favorable evidence to prove that the card is on you and where you are later, because the bank can retrieve your inquiry records and videos, which can prove that you were not at the crime scene at that moment, and the card is also on you.
3. Ask the bank to give important documents.
find a place where there is a fax machine, call the customer service phone again with the fax machine phone, and ask the customer service to fax two important documents for you. "Statement of account inquiry" and "Additional explanation of non-personal transaction".
4. Report the case.
(1) Usually, they will not accept the report to the ordinary police station, and they will pass the buck.
(2) The cardholder can report the case directly to the police station belonging to the card issuing center in the city where the card is applied. If you are not sure about the area where you belong, you can call customer service and ask him to provide you with the place where you belong.
(3) The purpose of reporting the case is to help you increase evidence in the process of bank's refusal to pay, and increase the possibility of successful refusal to pay.
5. Ask the police to file a case and give a receipt. Bring the receipt from the police station to the card issuing center for investigation.
Legal basis:
Article 196 of the Criminal Law of the People's Republic of China
Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;
(2) using an invalid credit card;
(3) fraudulent use of another person's credit card;
(4) malicious overdraft.
the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.