For credit card holders, the fundamental solution to avoid financial difficulties is to learn to manage money scientifically, live within our means, and make certain savings and financial preparations for unexpected expenses that may occur in daily life. Make clear the repayment date and amount of the credit card, and set reminders to avoid being caught off guard by forgetting.
Credit card holders must not be confused about credit cards that are about to expire. We should seriously consider our controllable financing methods, choose low-risk and low-cost methods, carefully formulate repayment plans and strictly implement them to avoid losing credibility in front of financial institutions and relatives and friends who provide help.
In addition, some "middlemen" not only engage in credit card repayment business themselves, but also encourage "Xiaobai" who wants to do part-time jobs to cash out credit cards, which is tantamount to pulling part-time employees and cardholders into the debt trap of "repaying loans with loans" step by step under the guise of providing services to customers. For ordinary people who are guided to participate in credit card repayment, don't believe in high profit returns. It should be noted that credit card repayment involves many subjects, and the situation is complicated, even suspected of breaking the law. Don't rush into it.
It should be pointed out that compared with online or street credit cards, banks are still the safest and most formal repayment channels. At present, many banks have launched credit card deferred repayment service. If interest charges are incurred during this period, credit card customers can contact their branches to apply for relief, which will not affect credit reporting.
There will be no pie in the sky, and credit card repayment is still the right way.
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Related question and answer: Is credit card pad still illegal? Legal Analysis: Credit card pad is still illegal. Credit card pad still refers to the behavior of delaying repayment time by paying monthly handling fees. Credit card pad is also equivalent to cashing out, which is against the law and may be suspected of credit card fraud.
Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.