1. Is the pre-litigation investigation on overdue credit cards true?

Is the door-to-door investigation on overdue credit cards true?

1. Don’t avoid debt collectors: If you encounter a bank debt collector who comes to collect money, if the debt collector has a good attitude, don’t have unnecessary conflicts with the debt collector, and don’t play “missing”, because as long as the debt is overdue, If you repay your loan as usual every month, you have nothing to worry about.

2. Negotiate repayment with the bank: If you have problems with your personal financial ability and cannot repay all the money, you can negotiate with the bank for repayment and ask the bank to extend the repayment period or reduce the interest, but you must not avoid it. If the bank collects money, the credit card interest will only get higher and higher.

2. Will my family members be forced to repay if the credit card is not enough?

If the credit card is not enough, my family will not be forced to repay it, but my spouse may be forced to repay it because the marriage relationship continues. During this period, the property of the spouses is the same property, and the debts will also be regarded as the same debts, unless the spouse can provide evidence to prove that the credit card debt is not used for the family's common living expenses, and there is no need to repay it. However, even if the family does not need to repay the loan, the bank will call the cardholder's family to inform the cardholder of the credit card debt after the due date, and the cardholder cannot conceal the credit card debt.

If you have not paid off your credit card for one month, you cannot repay it next month. As long as you use the credit card and have a bill in that month, you must pay at least the minimum amount before the end of the repayment date, otherwise you will not be able to pay off the next month. It will be overdue again. Unless the cardholder's current month's bill balance is all new consumer debt, and if all the debt cannot be installmentd this month, repayment will start from the next month, and there is no need to repay this month. Or the cardholder has applied for a deferment of repayment and will pay back two months at a time next month.

The interest on a 50,000 credit card that is overdue for one year is more than 9,000 yuan. If you cannot repay the credit card, your family will not be forced to pay it back, but the cardholder's spouse may be charged for collection. After a cardholder obtains a credit card, he or she can use it to make purchases, or use it to apply for a loan from the bank that issued the card. After obtaining a bank loan, the cardholder must repay the balance in time according to the bank's requirements, otherwise there will be overdue records and the cardholder will be affected. credit.

The pre-litigation investigation for overdue credit cards is true. When an overdue payment occurs, cardholders must not evade or avoid the bank’s collection text messages, but should actively face it. Once the card is overdue, the cardholder will need to pay overdue penalty interest, which will also affect the personal credit report. If the card is overdue for more than 3 months and the bank fails to repay it after more than two collections, the cardholder will be sued.