overdue credit cards will leave a credit stain on the credit report, which will accumulate with the number of overdue days. However, the good news is that users can negotiate repayment application with the bank, and discuss personalized repayment plan.
from the perspective of bank negotiation and repayment, there are many installments 12 and 24, and few installments 6. If users want to extend the repayment period, they should provide sufficient evidence during the negotiation, be more patient and communicate repeatedly.
generally speaking, overdue credit cards may come to your door, so it is recommended to deal with them as soon as possible. The longer it takes, the greater the impact. Moreover, it is a good solution to contact the bank actively and negotiate installment repayment, which can effectively alleviate the repayment pressure of users.
: how to deal with malicious overdraft of credit cards? Article 196 of the People's Republic of China and the Criminal Law of the People's Republic of China is a crime of credit card fraud under any of the following circumstances.
if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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; 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 five years but not more than ten years.
He shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: 1. Using a forged credit card, or using a credit card fraudulently obtained by means of false identification, using an invalid credit card, fraudulently using another person's credit card or maliciously overdrawing. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it after being urged by the issuing bank. Whoever steals and uses a credit card shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
malicious features 1. if the overdraft limit is exceeded, whether the overdraft is exceeded depends on whether the net balance of the credit card account exceeds the limit. 2, overdraft principal and interest is not returned within the prescribed time limit and continue to overdraw. 3. The overdraft exceeds the limit or the time limit, and the issuer's authorization is not obtained before the overdraft, including evading authorization, forging authorization, fraudulently using authorization, etc. 4. Overdraft subjectively has the intention of illegally occupying the card issuing funds.
behavior patterns malicious overdraft includes two basic behavior patterns: one is excessive overdraft, that is, overdraft beyond the provisions of the credit card charter or the overdraft allowed by the issuing bank. The second is overdue overdraft, that is, the principal and interest are not returned within the specified time. Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders.