What should I do if my Agricultural Bank of China credit card limit of 4,000 is overdue for ten years?

If your credit card has not been repaid for ten years, you can go to the bank where the credit card is located to negotiate and pay off the debt. Credit card balances that have not been repaid for a long time will have overdue records reported to the credit report, so you can negotiate with the bank about the late payment fees and repay the debt as quickly as possible. After 5 years of repaying the debt, the bad records in the credit report system will disappear. will disappear.

The handling of an overdraft of RMB 4,000 overdue on a credit card is as follows:

1. Express your willingness to repay to the bank.

When your credit card is overdue, you must not ignore it. First of all, you need to get in touch with the bank, indicate your current financial situation, take the initiative to express your willingness to repay, and hope that the bank will coordinate and customize a reasonable repayment plan.

2. Ensure smooth communication.

Bank staff will continue to contact you after the due date, but do not deliberately avoid these calls. After answering the phone, you should promptly explain your willingness to repay and your current financial pressure, and ask for a grace date.

3. Borrow money from relatives and friends in a timely manner.

If you have negotiated with the bank and still have repayment pressure when it is due, you must borrow money from relatives and friends to repay the debt in time, otherwise the bank will ++.

4. Pay the minimum payment first.

Legal Basis

Article 196 of the "Criminal Law", if one of the following circumstances occurs and the amount is relatively large, a person who conducts credit card++ activities shall be sentenced to a prison sentence of not more than five years++ ++or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years++++, and also to a fine of not less than 50,000 yuan but not more than 500,000 yuan. Fine; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than ten years ++++ or ++++, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using forged credit cards, or using credit cards fraudulently obtained with false identity certificates.

(2) Using an expired credit card.

(3) Pretending to use other people’s credit cards.

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

++Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Can the Bank of China credit card be unfrozen if it is overdue for 10 years?

If the Bank of China credit card holder overdues the payment or uses the credit card to cash out, the bank will freeze the credit card. In this case, the cardholder should call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that your debt has been paid off, it will immediately handle the unfreezing process for you. After unfreezing, your credit card can be used.

If the cardholder generates bad credit records while using the credit card, according to the "Draft for Comments on Credit Information Management Regulations" of the Credit Information Center of the People's Bank of China, the maximum retention period for bad credit records is 5 years. , but the personal credit report will only show the 24-month record of the credit card. It is recommended to keep the card active for at least 2 years after activating the card to avoid a negative credit record that will have a negative impact on future applications for credit cards or personal loans.

If a Bank of China credit card is overdue, the cardholder will bear the following consequences:

1. Bank of China will charge late fees and interest to cardholders whose repayments are overdue:

1. The late payment fee for Bank of China credit card is calculated as 5% of the minimum unpaid amount, with a minimum charge of RMB 10 or US$1.

2. At the same time, Bank of China will also charge card holders Interest of 0.05% per day on the person's entire bill.

2. Overdue records will be entered into the credit reporting system, affecting the credit status of the cardholder:

1. Overdue within one month is considered overdue. As long as it is overdue, even once, It is more difficult to increase the limit;

2. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If the credit card is overdue for a certain amount and time, the bank will freeze the credit card.

Will the credit report show that the credit card from ten years ago has been seriously overdue for 14 months, affecting the approval of the mortgage loan?

It will have an impact. An overdue credit card may affect your future mortgage loan application.

Banks will refer to an individual's number of overdue payments in the past two years when approving a loan. Normally, if a couple has made three consecutive overdue payments within two years, or has made six cumulative overdue payments, it will be difficult to get another loan.

According to the degree of credit overdue, it can be roughly divided into the following two situations:

1. The credit card is only overdue once or twice. This type of bank will generally not refuse a loan, but may appropriately increase the loan interest rate, which is the first situation mentioned above. Home buyers can ask several banks, because if the housing loan interest rate of the cooperative bank for the real estate is preferential, you can enjoy preferential treatment when applying for a loan at some banks. Just choose the one with the lowest interest rate.

2. The credit card has been overdue three times in a row or six times in total within two years.

Generally speaking, banks will refer to the number of overdue payments of an individual in the past two years when approving a mortgage. Generally speaking, if a spouse has three consecutive overdue repayments within two years, or a total of six overdue repayments, they will not be eligible. loan. It should be pointed out that the meaning of three consecutive overdue repayments is that, for example, the repayment period of a fund is one month, and it has not been repaid for three consecutive months; and a total of six times, for example, it is overdue once and repaid; it is overdue again, so Happened six times.

If the cardholder forgets to repay the card, he or she can apply for timely repayment. On-time repayment refers to the cardholder's repayment within three days of the latest repayment date, which can be counted as on-time repayment, and overdue payments will not be recorded in personal credit records. If the cardholder repays the loan after the bank's grace period, he should immediately submit a "non-malicious overdue certificate" to the bank and apply to cancel the overdue record. It is also feasible, provided that the amount cannot be too large. Usually, bad credit records will be retained by the central bank's credit reporting center for 5 years and will be deleted after 5 years. However, once a credit stain occurs, even if it is an honest mistake, it cannot be eliminated within 5 years, so pay attention to your credit record. You can choose to negotiate repayment with the bank. If you are unable to repay the loan due to special reasons, such as disability, unemployment, serious illness, etc., you can submit the information for Bank of Communications to review. After the review is passed, you can generally negotiate for repayment. Or you can only borrow money from relatives and friends and repay it as agreed in the contract. Write down an IOU, promising to pay back the money within a certain period of time, and then repay the borrowed money to the loan first. When the funds are sufficient, you can pay back the money to your relatives and friends. Avoid having an impact on your credit report.

There was an overdue payment of RMB 20,000 10 years ago, will it have any impact if I apply for a card now?

As long as it is paid off over five years, there will be no impact.

Theoretically, as long as the bad credit record is overdue, no matter how long it is overdue, the bank's credit system will be refreshed more than 5 years after it is paid off, so that you can apply for a new credit card or loan for ten years. The overdue loan that was previously processed has theoretically been cleared of bad records. To be specific, you still need to make a credit report and let the bank that handles the credit card take a look.

Overdue repayment refers to the situation of exceeding the final repayment period stipulated by the bank and failing to deposit the consumed amount into the designated account in time and in full. Overdue payment will accrue interest and affect your credit report. In serious cases, you may be fined or imprisoned.

The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.

This concludes the introduction to credit card overdue payments 10 years ago. Have you found the information you need?