1. What if the credit card owes 30,000 yuan?

1, realization of mortgaged assets

Although many people have no money, they have many realizable assets under their names, such as houses and cars. They can consider realizing these assets by mortgage in order to get the repayment of funds. Generally, it is not realized at the original price, so it will be a little loss. Suitable for people who owe a lot of money but can't really raise money, don't go to those who are at risk of being punished.

2. Frankly borrow money from home.

If you can't repay your credit card debt yourself, you'd better confess with your family and see if you can get their help to repay it together. If you have no money at home, you can borrow it from your relatives and friends, and write an iou with the repayment time and interest. Borrow if you can, don't complain. No matter how close you are, you have no obligation to borrow it.

3. Actively negotiate repayment.

Don't run away even if the credit card debt is not paid. Don't miss the dunning call from the bank. If you have no money, you should also show your willingness to repay and see if you can negotiate repayment. Don't panic if the bank says it will sue, but for those who are temporarily unable to repay, this is an opportunity. It will be easier to negotiate under the mediation of the court when the court is in session.

4. Open source and reduce expenditure to increase income.

Reduce unnecessary expenses and don't buy things that are not practical. The key is to work hard to increase income, do a good job, and make money through part-time jobs, such as opening Didi and delivering takeout. Not afraid of more money, but afraid of no money. The more money you have, the easier it is to get out of trouble.

Second, what will happen if the credit card is not used?

1. Consumers no longer enjoy interest-free repayment of their money.

The issuing bank will calculate the daily interest with the consumption amount as the principal from the date of consumption, with the daily interest rate of 0.5 ‰, compounded monthly, and a monthly fine of 5% will be charged for the unpaid part of the minimum repayment amount.

2. Receive dunning calls and letters from the issuing bank.

Because of ignorance and blind arrogance, some people not only don't pay back the money, but also "run away" by changing their addresses and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help. In fact, this practice is very wrong and absolutely unacceptable. When handling a credit card, the cardholder's real name information has been recorded by the bank. Once "running away", the bank will identify malicious overdrafts and arrears and will call the police.

3. Affect personal credit records.

If the credit card account is frozen by the issuing bank, the debt record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a housing mortgage loan normally.

If you return your credit card, you can borrow money from home to turn around. You can explain the situation to the bank and apply for changing the accounting date. You can also use the minimum repayment function of the credit card. If these three methods can't solve the problem, you can also apply to the issuing bank for deferred repayment, or go to the bank to explain the reasons for the overdue and stop the credit card.