1. How to calculate the liquidated damages if the credit card debt is not 15000?
The credit card debt of 6.5438+0.5 million is a malicious overdraft, which will constitute the crime of credit card fraud. Generally, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall 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.
The self-help method of credit card debt of 654.38+0.5 million yuan is that the user actively contacts the issuing bank to apply for negotiation repayment. If the negotiated repayment is successful, users can get benefits such as interest reduction and deferred repayment. This not only has enough time to repay, but also reduces the repayment pressure of users. As for the failure to negotiate repayment, it is necessary to pay off overdue debts as soon as possible. If you don't have cash on hand, you can borrow money from friends and relatives around you, or mortgage some assets to get funds. Credit card arrears must be repaid as soon as possible, otherwise the negative impact of overdue records will become more and more serious, so that it is impossible to handle any credit business in the future.
2. Can I reduce the late payment fee if my credit card is overdue?
In most cases, the late payment fee generated by the cardholder's overdue credit card cannot be reduced, but if the cardholder's overdue credit card bill meets the following conditions, it can be reduced through negotiation with the bank.
1, bank problem
If it is because of the bank's problems, the cardholder's credit card is overdue, resulting in late fees. Then the cardholder has the right to ask the bank to reduce the late fee. For example, the upgrading of the banking system has caused cardholders to be unable to repay on the repayment date, and there are unspecified charges and unknown charges.
2. Force majeure factors
If the cardholder's credit card bill is overdue due to force majeure factors such as serious illness, unemployment, bankruptcy, criminal detention, etc., you can find the relevant institution to issue a certificate and then find the bank to explain the specific situation. According to relevant regulations, after receiving the certificate, the bank needs to verify the authenticity, and then negotiate with the cardholder to reduce the late payment fee.
3. Other reasons
If the cardholder has negotiated with the bank to postpone the repayment before the credit card repayment date arrives, but the bank system still deducts the due payment, resulting in a late fee on the cardholder's credit card bill. Cardholders can also go to the bank to explain the situation and ask for a reduction in late fees.
Credit card arrears150 thousand will also constitute credit card fraud. Due to the cardholder's own reasons, the credit card is overdue and the late payment fee cannot be reduced. There is an age limit for applying for a credit card. The applicant must be at least 18 years old and have civil capacity. People who have reached the age of 13 can apply for supplementary cards of credit cards. You need to apply for a credit card ID card, fill out a credit card application form and provide proof of work.