2. If the cardholder fails to repay the loan for a long time, the bank fails to respond to repeated reminders, or even can't contact anyone. In addition, the bank is likely to bring a lawsuit to the court and ask the cardholder to repay the loan through legal channels.
3. If the cardholder fails to repay the loan after the judgment of the court, the court may enforce it, freeze the property under his name, deduct the funds in the bank card under his name to pay off the arrears, or seize or auction the assets and use the proceeds to repay the loan.
4. If the court also finds out that the cardholder actually has the ability to perform and intentionally fails to perform the repayment obligation, it is estimated that the cardholder will be included in the list of people who have been executed for breach of trust. First of all, we should understand that if the overdue amount is relatively large, and the bank fails to repay the loan through various collection methods, then the bank may file a lawsuit with the court in the end. If this is really the case, then the final result will definitely be more serious and it is likely to face jail.
Precautions for credit card use:
1. Pay attention to two dates: billing date and repayment date
Generally, the repayment date is 2 or 25 days after the billing date, and the credit card is swiped one day after the billing date, with the longest interest-free period, and the credit card is swiped one day before the billing date, with the shortest interest-free period.
2. Protect the information on the credit card surface
The three key information on the credit card surface: card number, expiration date and CVV code, affect your card safety, especially the CVV code, which is as important as the password. It is recommended to cover the CVV code with correction fluid or sticker, and some people are even worse. Just scrape off the CVV code with a blade and keep those three numbers in mind.
3. swipe your card frequently to avoid the annual fee; Only when you repay the loan on time can you withdraw the amount
Generally, you can avoid the annual fee if you swipe your credit card for six times. Therefore, we must brush out the annual fee. In addition, we can increase the credit card limit by swiping more cards and frequently. At the same time, we can repay on time and maintain a good credit record, which is also a way to increase the credit limit. Moreover, it is also very convenient to pay without a card for mobile POS, which belongs to online consumption. Combined with daily offline consumption, multiple combinations are used.
4. Choose the repayment method that suits you best
In this information age, repayment methods are diversified, and it is not necessary to go to a bank outlet or an ATM to transfer money.
5. If the cash flow is not working properly, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment.
If your cash flow is not enough temporarily, or the repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days.
6. What should I do if I am short of funds?
When applying for changing the billing date, I should pay attention to calculating the billing date and enjoy the longest interest-free period, so as to alleviate the pressure of financial shortage. However, this skill cannot be used every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change it once a lifetime!