1. How to deal with overdue credit cards?

Generally speaking, after the credit card is overdue, the bank will handle it differently according to the different overdue time, as follows:

1, overdue for no more than three months.

If the credit card is overdue for no more than three months, the bank will collect it by phone or SMS in the collection stage of the bank's own system;

If the overdue amount is large or the cardholder is missing, the bank can collect it at home.

You can also contact the immediate family of the cardholder and ask if the cardholder can repay the credit card debt.

At this stage, the bank's own system is relatively civilized and legal, threatening to blacklist cardholders or sue cardholders at most.

2, overdue for three months to six months.

If it is overdue for more than three months but not more than six months, the bank entrusts a third party to collect, and the collection methods of these third-party collection companies are generally violent;

Although it will not cause personal injury, the cardholder may bomb his address book by text message or telephone.

3, overdue for more than 6 months, the amount of more than 50 thousand yuan.

If the overdue period exceeds 6 months and the overdue amount exceeds 50,000 yuan, and the cardholder fails to reply to the early collection, the bank may directly sue the cardholder;

If the prosecution is successful, the cardholder will be included in the list of untrustworthy enforcers. If the debt is not repaid within the time specified by the court, the assets under his name may be enforced.

If the circumstances are serious, you may even need to go to jail.

Second, how to remedy the overdue credit card?

Of course, the remedy after overdue is immediate repayment, whether it is full repayment or partial repayment. In short, express the willingness to repay to the bank, rather than deliberately overdue.

It is best to repay in full, because if we want to negotiate installment repayment, the handling fee and interest are not low, and such accumulation will only bring us greater repayment pressure.

However, if it is really impossible to repay in full, you can also negotiate repayment with the bank or even negotiate interest-free repayment, but the success rate of negotiating interest-free repayment is low;

It is generally necessary to consult a professional. If you need this, you can consult us to serve you.

3. Will the overdue credit card affect the loan?

Generally speaking, there are two main situations that affect loans. One is overdue for more than three times in two years, and the other is overdue for more than six times in two years.

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