The negotiation of installment application is very difficult, so once the application is successful, the repayment must be made on time according to the previously signed contract. If it is overdue again, it will go back to the time when the credit card just expired. The collection will continue to collect you, only asking you to pay it off in one lump sum. So after the credit card negotiation is successful, remember not to overdue it again. Because the purpose of installment negotiation is to stop interest calculation and interest collection. Repay by installments to reduce the pressure of repayment.
In the negotiation of repayment, the consequences of the second overdue repayment are: the collection continues, and the pace of your prosecution by the bank is accelerated. For example, if you lend money to Zhang San, and Zhang San fails to pay it back on time, and you give him a few days' grace, and he fails to pay it back on time after it expires, will you trust Zhang San again at this time? Will he have another chance? So put yourself in the other's shoes. After the second overdue, the personalized installment repayment agreement signed before will be terminated. Then charge the intervention fee and ask for a one-time payment. First of all, we made this mistake ourselves, so we have to go to the bank to solve this problem. You can go directly to the head office, ask the person in charge to explain the situation and express your willingness to repay, and ask the other party to help you apply to the credit card headquarters for installment again. It will be a good thing if you can apply. But if you can't apply, you can only negotiate repayment with the bank's lawyer in the mediation room when the bank sues you.
Finally, to sum up: in the process of credit card negotiation, there are two ways to solve the second overdue: first, take the initiative to go to the head office of the bank and actively communicate to explain the reasons, and then ask the other party to help you apply to the head office of the credit card for another negotiation installment. If the application fails, the bank will sue you. At this time, you can only negotiate repayment with the bank's lawyer in the court.
Legal basis: According to Article 196 of the Criminal Law, anyone who commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment 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, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.