What about one or more credit cards?

the customer contacts the card-issuing banks for negotiation, and applies for suspension of payment to see if the repayment period can be extended and repaid in installments.

Of course, the bank may not agree, so when negotiating, the customer must show that he is not maliciously overdue, but is really unable to repay, and provide sufficient information to prove, such as unemployment certificate, certificate of dissolution of labor contract, etc. At the same time, we should express our willingness to repay actively. For customers who have no repayment ability, the bank will consider it as appropriate.

customers can't refuse to pay back their credit cards just because they haven't paid them yet. You know, after the credit cards are overdue, banks will report them to the central bank's credit information system, leaving bad credit records in personal credit information reports. Moreover, the bad record may be deleted after the customer pays off the debt for at least five years. If the customer fails to pay it back within the time limit, the bad record may remain in the credit investigation.

and if the customer can't contact anyone, and the bank doesn't return it after repeated collection, it may also bring a lawsuit to the court. If the customer refuses to repay the loan after the judgment of the court, the customer may also be listed as an executor of dishonesty by the court, and then his daily life will be affected.

of course, it is best for customers to use their cards reasonably and spend wisely. And credit cards should not be handled too much. At most, three or four cards are enough. If you realize that you can't pay back on time, you can actually apply for bill installment before the repayment date, or choose the lowest repayment.

2. How long is the overdue credit card blacklisted

1. As long as it is overdue for more than 9 days, it is generally a black account, which is the standard of most banks.

2. Under normal circumstances, if the personal credit card bill is overdue, the bank will collect the debtor in accordance with relevant regulations in the first three months.

3. If the collection is successful within these three months. Then the bank will not take the next step of collection. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for three months and fails to collect it, the bank can take legal proceedings.

cardholders should use credit cards moderately. Once they exceed their repayment ability and cannot pay off their debts in full on time, they should contact the bank staff in time to explain their difficulties and negotiate a personalized repayment plan acceptable to both parties with the bank to ease their repayment pressure and avoid overdue behavior.