A credit card overdraft of RMB 15,000 is overdue for more than four months. According to the relevant provisions of the China Banking and Insurance Regulatory Commission on credit cards, the card issuer can hand over the matter to a third-party agency for collection. It is also legal for a third-party collection agency to report the case. To put it bluntly, in the final analysis, you still have to pay back the money. As a special financial company, the card issuer cannot forgive your debt out of mercy. Don't let it be an illusion or a fluke. However, there are also good suggestions:
1. Correct your attitude and negotiate frankly with the bank. Do not avoid or run away, and sincerely accept bank inquiries, investigations and cooperation. You know, the ultimate goal of the bank is to collect money, not to send you to jail. Under reasonable circumstances, the card issuing bank can agree to your installment repayment agreement and commitment to temporarily reduce the repayment pressure. Or, with the approval of superiors, there is still room for negotiation on excessive interest or penalty interest. It depends on you. attitudes and actual economic capabilities.
The debt of RMB 21,500 is not too big. It is better to rely on the support of relatives and friends, work hard to raise funds, and strive to pay it off at once, so as not to bear too much interest and temporarily relieve the urgent need. Never take out an online loan, it’s very expensive.
You are not using your credit card well first. If you know how to use it, your problem will be completely solved. Let me teach you