1.202 1 What are the new rules for overdue credit cards?

1, 202 1, the new laws and regulations on overdue credit cards include Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, which stipulates that the negotiation repayment period shall not exceed five years under special circumstances, provided that it is determined that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder has a strong willingness to repay.

2. In addition, Article 196 of the Criminal Law of People's Republic of China (PRC) stipulates that the crime of credit card fraud caused by malicious overdue of credit cards requires criminal responsibility and a fine. In other words, if the credit card is overdue, it may be considered as malicious overdue, especially after the overdue reaches a certain amount, the bank cannot contact the cardholder.

Second, the credit card is overdue and cannot be repaid. Can it be ignored?

1. The problem of overdue repayment of credit cards cannot be ignored. Many people ignore their overdue credit cards because they are unable to repay them, which will bring very serious consequences. If the overdue amount is relatively large, it is likely to be investigated for criminal responsibility. You must have a good attitude.

2. I suggest you take the initiative to call the bank when your credit card is overdue and apply for repayment negotiation. When negotiating with banks, we must have a good attitude and show the willingness to repay, but there are problems in the current economic situation. If the bank agrees, after the negotiation is successful, the repayment can be made according to the agreement of the negotiation.

3. What should I do if my credit card is overdue?

1. Apply for personalized repayment plan.

That is, negotiate with the bank for repayment as mentioned above. It is suggested that you provide your current income certificate to the bank when negotiating repayment, so that you can make a personalized repayment plan according to your own income, and then repay according to the personalized repayment plan.

2. Apply for suspension of payment or deferred repayment.

If the credit card is overdue, you can also apply to the bank to stop paying interest to avoid excessive interest due to overdue for too long. If you are only in temporary financial difficulties, I suggest you apply to the bank for deferred repayment, but you must pay off your debts within the deferred repayment time.

Through the above information, we know that the new law 202 1 credit card overdue has been issued. Presumably, everyone here should see that credit card overdue can be ignored, and how to deal with credit card overdue can also be learned!

Be heavily in debt, and can't pay the debt. Consult an online lawyer to help you apply for stopping payment and plan the repayment cycle reasonably.