Nowadays, many young people are basically moonlight clan. After their monthly salary is spent, they can only rely on credit cards to maintain their daily life. But after the outbreak of the epidemic, many people's jobs were affected. If you can't go to work normally, what will happen if you don't return your credit card?

At present, the number of credit card users in society is very large, and many people have more than one credit card. As early as online payment was not as common as it is now, people began to use credit cards to spend. Generally, the credit card limit just obtained is not very high, but with the continuous use, the bank will appropriately increase the limit according to the cardholder's use. And every record of consumption and repayment will become the standard to measure the credit of cardholders.

for consumers, credit cards are very convenient, especially when cash is scarce, which can help them solve their urgent needs. Moreover, the interest of credit cards is relatively low compared with the interest of lending institutions. After spending by credit card, you can choose to repay by installments according to your repayment ability, usually the longest installment number is 12 months.

After using a credit card, office workers will pay off the credit card bill of the current month as soon as they get paid, because if they are overdue, they will be credited to their personal credit information. Overdue bad information will affect credit records. In the future, loans to buy a house or a car will be affected by overdue records.

However, under the epidemic situation, some serious cities were forced to close down, resulting in enterprises in cities unable to operate normally and employees unable to maintain their normal work and income. Under the objective factors of force majeure, office workers can't work normally, which means that the monthly credit card can't be repaid normally. What if it is overdue because of carelessness?

In fact, in view of this situation, the relevant department-China Banking Regulatory Commission has issued a notice, mainly aimed at strengthening banking, insurance and financial services, requesting cooperation in epidemic prevention and control. In this notice, the problem of credit card repayment in a special period was clarified.

during the epidemic period, the CBRC requires all card-issuing banks to give appropriate preference to those who can't work normally and temporarily lose their income. Including mortgage loans, consumer loans and credit card repayments. However, proper tilt means that the adjustment will not be too big and needs to be adjusted flexibly, so not all cardholders can enjoy this policy.

if users who meet the tilt policy make flexible adjustments, they will have a high probability of enjoying the policy of deferred repayment, but the specific extension period still needs to be determined by the issuing bank. If the cardholder can enjoy the relevant extension policy, he must repay the credit card or loan within the time limit, otherwise it will be included in the credit report.

According to the notice issued by CBRC, although the repayment pressure of cardholders can be alleviated to some extent, it does not mean that cardholders can be fearless. After all, this notice is not a one-size-fits-all policy. It only gives banks a direction to deal with special circumstances, so the relevant adjustments of different banks will be different.

After all, although the epidemic is rampant, only a few cities are seriously affected, and a few people are unemployed and have no income because of the epidemic. Most on-the-job workers or people working in large enterprises can get enough basic living wages even if they can't work normally under the influence of the epidemic. So not all cardholders can enjoy the treatment of deferred repayment.

in fact, even if you can enjoy deferred repayment, it will not solve the fundamental problem. It's only a matter of time before the money is returned. The epidemic is only temporary, and now it has been well controlled under the effective prevention and control of the country. Therefore, if you have a credit card in use, you still have to repay it on time according to the regulations. If you really can't repay, you should actively contact customer service and agree on an effective solution, otherwise you will only pay more than your own credit report. Related questions and answers: What should I do if the credit card is not available? 1. What should I do if the credit card is not available? 1. You can take the following measures: (1) Borrow from relatives and friends to repay: If you only encounter cash flow problems, you can temporarily pay off the arrears by borrowing; (2) Apply to the bank for deferred repayment; (3) Apply to the bank for suspension of payments; (4) Negotiate with the bank to reduce the repayment amount. If the negotiation fails, you can sue the bank and get the credit card debt relief. Card debt. 2. Legal basis: Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 7 Credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders. Refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc., and it is stipulated that the English name of Credit Card is credit card. Second, what should I do if my credit card is stolen? First of all, I must inform the issuing bank at the first time to report the loss of my credit card. You can immediately notify the bank that the credit card may be stolen by phone, and cooperate with the bank staff to report the loss and freeze the credit card; Or call the police. After notifying the bank, you should also call the police immediately to report the details of the stolen brush to the public security police. According to the requirements of the public security organ, go to the bank to print out the details of the credit card flow, and then go to the public security organ to report the case; At the same time, you should consult the bank customer service for the location of the nearest ATM, and immediately go there to operate the credit card through the ATM.