Useful.
Overdue credit card interest will double. If your money cannot pay the interest, you can choose the minimum repayment amount, so that the loan and interest overdue will not be affected. After users use credit card overdrafts, they usually have more than From the interest-free repayment period of 20 days to more than 50 days, if the cardholder's repayment is overdue, the cardholder will no longer enjoy the bank's interest-free treatment for all expenses last month, and the recurring interest will be as high as 10,05 days, that is, every year The interest rate reaches 18%.
If you cannot pay the interest as scheduled and you have signed an overdue loan contract and other related content, you need to pay. However, if it involves illegal activities that violate market rules, there is no need to pay again. times interest. In addition, if you do not have enough money to pay interest or are unable to pay a certain amount, you can apply for legal aid and ensure your rights and interests through legal aid. If the credit card is in arrears for more than 3 months, the bank will entrust a lawyer to Credit card users sent letters and filed lawsuits in court. Litigation costs shall be borne by the cardholder.
According to Article 196 of my country's Criminal Law and relevant judicial interpretations, malicious overdraft means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and credit card The issuing bank does not return the money after collecting it. If the amount is relatively large, he will be held criminally responsible for criminal credit card fraud, and he shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.
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What if the debt is too much and cannot be repaid? The debtor can negotiate with the creditor to determine the repayment time. The debtor does need to indicate to the creditor that he is willing to repay, but currently has no ability to repay to avoid the creditor filing a lawsuit in court. According to the relevant provisions of the "Civil Procedure Law of the People's Republic of China", if the debtor is sued, he needs to actively respond to the lawsuit. If the debtor fails to respond, it will not affect the court's trial; if the debtor fails to appear in court, the court can make a default judgment. At the same time, the debtor can calculate the statute of limitations for the debt. If the debt statute of limitations exceeds three years, the debtor can request a statute of limitations defense.