Tips: Credit cards need to be repaid on time. Failure to pay the money on time violates the relevant regulations, so as not to cause unnecessary trouble to you and your family in future housing trips.
Specific notification steps:
1. For the first notification, you need to be able to accurately state your name, card number, what card you are applying for, and your ID information and ID number.
What's your card number, ID number, how much you owe, how much you need to pay back, and the date of the final repayment period.
2. Call again, usually around the sixth month, make a reminder and prepare a notice of prosecution.
3. If it is not returned at the due date, it should be a court summons, which will usually be sent to the home or the institution where it is located. You need to sign for this in person.
4. The court is finally in session.
Consequences of overdue credit cards
I. Bank Credit Card Banking Center will charge late fees and interest:
1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.
2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.
Second, the impact of credit:
1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota.
2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow and apply for a credit card in the future.
3. After a certain amount and time, the bank will freeze the credit card.
Legal basis:
Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.
If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return.