1. Pay the overdue fine of the credit card. If the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is lower than the minimum repayment amount, he shall pay the agreed late payment fee to the issuing bank according to the contract.
2. Generate 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 this period is exceeded, the corresponding overdue interest will be paid.
3. Affect personal credit information. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records, which will not only affect future mortgage and car loans, but also affect travel and employment. ...
4. Bear criminal responsibility. Whoever constitutes the crime of credit card fraud shall be sentenced to fixed-term imprisonment of not more than five years or life imprisonment, fixed-term imprisonment of not less than five years or life imprisonment, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property.
2. What if the credit card is overdue?
After the credit card is overdue, it needs to be repaid as soon as possible. If you don't have enough money on hand, you can choose to repay by installments. If you can't get the installment funds, you can find friends or family to turn around. At the same time, we should reduce living expenses, increase sources of income and pay off debts as soon as possible.
Banks usually outsource the dunning business to a third-party dunning platform when the cardholder's overdue amount is large or long. At this time, you can negotiate with the collection staff to reduce or extend the repayment period.
Third, will the credit card go to jail if it is overdue?
If it is a malicious overdraft credit card, the amount is likely to go to jail! So what is "malicious overdraft"? How to define the specific "amount"
According to the law, "malicious overdraft" refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being effectively collected by the issuing bank twice.
If the amount is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a large amount"; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as "a huge amount"; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge".
That is to say, if our credit card debt exceeds 50,000 yuan, it will be effectively collected by the issuing bank twice, and it will not be returned after more than three months, and criminal responsibility will be investigated according to law.
If the credit card cannot be repaid in one lump sum, you can negotiate with the bank to repay it in installments. Staging after overdue, also known as personal debt restructuring, can not only help debtors ensure their basic livelihood, but also make reasonable repayment and avoid collection and asset disposal. If it is a financial problem, it is not recommended to pay back several hundred and one thousand yuan, which will deduct interest and liquidated damages. Either relatives and friends turn around and pay off the overdue interest in one lump sum, or the bank will stop paying the interest, so that the interest will not rise, and pay it back slowly to avoid collection and prosecution!
Arrears from investment promotion 1, 47,000 yuan. After negotiation, RMB 6,000 will be reduced first, and then it will be repaid in 36 installments, with a monthly repayment of RMB 65,438+RMB 065,438.
2. The traffic debt is 85,000 yuan, which will be reduced by 8,000 yuan and paid back in 48 installments. Monthly repayment 1604 yuan.
3. Shanghai Pudong Development Bank and the reserve fund owe a total of 96,000 yuan. Through negotiation, RMB 2 1 0,000 will be reduced first, and then it will be repaid in 60 installments, with monthly repayment of 1, 250 yuan.
4. China Everbright owes RMB 67,000, and it will negotiate 40 interest-free installments, with monthly repayment of RMB 1675.
Sort out debts, plan repayment reasonably, and avoid being sued. I have solved the debt problem for thousands of card friends. You are warm in three winters, may you be cold in spring, and may you not be disturbed by debts.
Weixinggong focuses on "clearing up debts", focusing on the actual cases of overdue credit cards, suspension of installment and personalized installment.