1. What about credit card arrears after imprisonment?

Generally speaking, even if the cardholder is imprisoned, he still needs to repay the credit card debt, but there will be an appropriate plan, and the overdue credit record caused by the cardholder's imprisonment can be deleted. After all, the inability to repay due to imprisonment is not due to the cardholder's subjective intention or malicious overdue, but belongs to the category of non-subjective will. So, just pay off your credit card after you get out of prison.

However, before repayment, it is best to communicate with credit card customer service to inform the other party of the reasons for overdue, and then apply for interest rate reduction and penalty. Generally speaking, the penalty and credit card interest during imprisonment can be reduced, after all, the cardholder is not maliciously overdue.

Second, will the credit card debt be offset after going to jail?

No, if the cardholder is detained or imprisoned for overdue credit cards, it means that all deposits and bank cards in the cardholder's name will be frozen. However, as long as the money is still on the debit cards of these card issuers, once the credit card repayment date comes, the money will be automatically deducted, so don't think that the bank will offset the arrears because of imprisonment.

During imprisonment, if there is no funds in the bank card, the bank may negotiate with the cardholder's family and ask for repayment, and it is likely to contact the emergency contact person directly. Of course, the cardholder's family also has the right to refuse. But in this case, the bank will take other measures.

3. Do you charge interest on credit card arrears after going to jail?

If the credit card is overdue due to imprisonment, the cardholder can negotiate with the bank to waive interest. In addition, because the cardholder has no ability and conditions to repay the credit card debt during his sentence, if the cardholder continues to collect interest during his sentence, he can bring relevant documents to the issuing bank's business outlets to apply for exemption from interest after he is released from prison, but the bank will usually automatically stop the interest of the cardholder during his sentence.

Therefore, after the cardholder is released from prison, it is best to check the bill first to confirm whether he has charged interest during his sentence, and then negotiate with the bank about repayment.

Having said that, everyone has a certain understanding of how to deal with credit card arrears after imprisonment. If you are sued for overdue credit cards, you'd better actively negotiate with the bank to avoid going to jail. Don't think you don't have to pay it back when you go to prison.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.