1. What if the credit card owes 25,000 yuan?

1. Use the minimum repayment function.

There will be a minimum repayment amount on the credit card bill, and the cardholder can repay according to the minimum repayment amount, but the unpaid principal will generate certain interest.

Step 2 repay by installments

If the credit card cannot be repaid in one lump sum, you can apply to the bank for installment repayment, you can call customer service, or you can handle it yourself on the bank app. It is suggested that the number of installments should be divided to the longest, so as to reduce the repayment pressure and avoid overdue repayment, which will affect personal credit information.

3. Apply for deferred repayment

If the payment has been made in installments and it is impossible to repay, it is recommended to explain the situation to the bank in advance and apply for an extension to extend the repayment time. If the agreement is affected, the repayment time can be postponed, so that you have time to collect money and repay.

4. Borrow money from relatives and friends for repayment.

Cardholders can borrow money from relatives, friends and others to repay credit card debts, and then pay them back to relatives and friends when they have money at hand.

2. What happens when a credit card is sued for overdue?

1, continuous dunning by the bank

(1) When the borrower's repayment is overdue, the customer service center of the bank credit card will call several times first;

(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection;

(3) After repeated dunning, the bank will sue to the court.

2. Being sued by the bank, unable to apply for a loan.

Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.

3. Malicious breach of contract, facing imprisonment and fines.

(1) A credit card overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility.

(2) However, the cardholder who refuses to return the card after the court's judgment may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.

If I can't repay my credit card after it expires, I can choose to negotiate with the bank or pay off the loan. As long as I can handle it well, there will be no high interest, and my credit will not be affected. It is my duty to borrow money to pay me back. When I apply for a credit card, I must make sure that I have the repayment ability, so as to protect my rights and interests.