1. What if I can't negotiate with the bank before the credit card is available?

1. If the credit card negotiation fails within the time limit, the cardholder can only make repayment according to the previous agreement. If he/she has no repayment ability at present, it is best to seek the help of family members first, or borrow money from relatives and friends to pay back the credit card first, and then pay off the money borrowed by relatives and friends as soon as he/she turns around.

2. Therefore, even if the bank does not agree to negotiate repayment after the credit card is overdue, the cardholder needs to find ways to deal with his credit card arrears as soon as possible. Otherwise, with the extension of credit card overdue time, the overdue consequences of credit cards will become more and more serious, overdue interest will increase, and repayment pressure will increase.

Second, how to deal with the credit card arrears being sued by the bank?

1. If there is no charge for the credit card, you can negotiate with the other party privately to repay the loan in installments, and then reach a mediation.

If you owe your credit card and don't go to the bank to sue, you may not go to jail. It depends on the specific situation.

3. Failure to repay the credit card debt due is a breach of contract in civil law, and the debtor shall bear the corresponding liability for breach of contract according to the terms of use of the credit card.

4. Under normal circumstances, if the credit is maliciously overdrawn by more than 50,000 yuan, and the cardholder fails to return it for the purpose of illegal possession after being urged twice by the issuing bank for more than 3 months, criminal responsibility shall be investigated for the crime of credit card fraud.

3. What are the consequences of overdue credit card repayment?

1, credit card late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft.

Not all credit cards can be settled through negotiation when they can't pay back, so don't take any chances. If you use a credit card, you should actively abide by the relevant repayment agreement, otherwise the bank will have a lot of ways to recover the arrears. If it is overdue at will, it will be very unfavorable to yourself. Don't take risks.

Therefore, in the process of using the credit card, if there is really no repayment, and the negotiation with the bank is fruitless, as one party, we can only find ways to borrow money from relatives and friends as soon as possible to return the credit card first, otherwise, with the extension of the overdue time of the credit card, the consequences of overdue credit card will become more and more serious, the overdue interest will increase and the repayment pressure will increase.