Can I convert my credit card into a loan if it is not paid?

the credit card cannot be converted into a loan until it is paid.

if the credit card is not paid, we should find a way to pay it back quickly. Negative information such as overdue repayment of credit cards will be recorded in personal credit reports. However, negative information such as overdue repayment is not always recorded in personal credit reports. At present, China's credit records are kept for five years. After paying off the credit card debt, anyone can start building a credit record again.

if the principal amount owed reaches more than 1, yuan and is not returned for more than 3 months after twice collection by the issuing bank, it will be considered as "malicious overdraft" in the criminal law, suspected of credit card crime, and will be punished with not more than five years or criminal detention according to law, and fined not less than 2, yuan but not more than 2, yuan.

How to avoid overdue credit cards:

1. It is more reassuring to bind automatic repayment. Card friends can bind the debit card of the issuing bank of the credit card through the counter, online banking, mobile phone software, etc. (why do you want to bind this bank, because banks usually charge for inter-bank transfers), and set it about 3 days before the due repayment date (3 days in advance to avoid not being able to arrive in time), and automatically repay.

2. It is more secure to manage credit cards with APP. For example, the Fortune Points Life APP can help import bills and manage multiple credit cards.

3. It should be noted that there should be enough balance in the debit card. In addition, if there is any current behavior during the account period, card friends should remember to pay more in addition to automatic repayment.

4. It's really too late to repay, so don't worry. All banks basically offer credit card "time tolerance" service. Generally, the repayment is delayed for three natural days, or the repayment amount is less than 1 yuan, so banks still provide interest-free service.

How to find the crime of credit card lending

The crime of credit card lending is as follows

In criminal law, we should correctly grasp the "high interest" in high-interest lending. Specifically, as long as the actor lends the credit funds of financial institutions to others for the purpose of lending for profit, and there is still a surplus reward after paying the interest of financial institutions, it is a "high-interest" lending behavior; If the amount of the surplus remuneration reaches the legal prosecution standard, criminal responsibility shall be investigated for the crime of lending at high interest.

whether it is explicitly collected in the form of "interest" or calculated by the actual annual interest rate of the bank does not affect the establishment of this crime.

Do you look at credit card liabilities when transferring loans?

Yes. Of course, lending depends on credit card liabilities, and it is the credit card record in the last six months. There are also credit card application and loan records in the last two years.

This concludes the introduction of credit card lending and credit card lending 214. Did you find the information you need?