When using a credit card, you must first practice moderation and control yourself not to exceed the limit. Always remember that it is a "credit" card, which includes the word credit.

If you can’t pay off your credit card and the number is too big, you may be in jail. After being released from jail, you will still need to repay a large amount of debt. It does not mean that you do not need to repay bank debts after being in jail.

There is a possibility that it will take a long time from the filing of the case to the judgment, and the judgment will not be so quick. The only solution now is to find a way to pay back the money no matter what.

Generally, when you use a credit card, you can reach an agreement with the bank in about three months. Usually, if the debt is more than 5,000 yuan in three months and has not been repaid after being called by the bank, the bank can initiate judicial prosecution or filing procedures. , in short, it is best to use a credit card without owing any money to the bank. It is much more convenient to use a credit card, but you must also control the credit card information, use the credit card in your own way, control yourself, and do not mislead the credit card system.

Yes, I have personally experienced it, and it is really a helpless move!

I have a China Merchants Credit Card. I applied for one in May 2018 with a limit of RMB 10,000. I usually buy some food and cigarettes. After using it for a period of time, about half a year ago, I suddenly received a text message on this card. , your temporary limit is increased by 5,000, and the reinforced limit is 15,000. After another month of use, you receive a text message that your temporary limit is increased to 21,000, and the fixed limit is 18,000. The total limit of this credit card is: 39,000 , the quota for this trip was very fast and the temporary quota was very large. I was in urgent need of money to buy materials, etc. I was very grateful for this trip. The turnover was about 2 months, but suddenly the capital chain was broken, and I couldn’t pay it all at once, especially for temporary The quota is 21,000, but the temporary quota can only be used for one month, what should I do?

So what can we do? You can only repay the minimum amount, which is around 7,000 per installment. The temporary limit will be paid off after 3 installments. What is left is a fixed limit. The fixed limit is recyclable, but your temporary limit will never be lost. Yes, the fixed amount may be reduced at any time. As they often say, you have entered a "dark room"!

Credit cards were brought to China from Western countries. They require you to spend money in advance and overdraft. If you use it well, it is a good thing to solve emergencies. If you use it poorly, you will be ruined. The more you owe, the more you owe. If you are not good, you will go to jail! So it’s best not to touch credit cards! The deeper you touch, the deeper you sink!

More than 90% of people who use credit cards cash out, and bank staff all know it, so where does it make money? Let me tell you, ① the card swiping fee is 5.5‰, ② there is an annual fee for gold, platinum and black cards, ranging from about 2,000 to 8,000, ③ installment fee: 0.03‰ daily interest rate, so bank credit card It’s a pit! It’s best not to touch it! Suggestions only! Thanks!

Real experience, please be careful when spending money:

Most people are not cautious when using credit cards. They always think about money that is not their own and do not know how to save money. But when the repayment date came, I suddenly realized when I had used so much money and why I had to pay back so much money. As a result, the credit card cannot be paid.

I am like this too. I often cannot pay off my credit card, but later I find out that I can repay it at the minimum, so I choose the minimum repayment. However, this is not recommended. There will be interest.

I personally have 5 credit cards, which is not too many. I have used the cards thousands of times in more than ten years. I have never been late and my credit is very good! Here I would like to talk about my point of view first.

China has entered a credit society. All your economic activities will be fully recorded in the central bank. Once expected, it will be shown on your credit report and cannot be eliminated within 5 years. Therefore, if you use a credit card, no matter what you think of, you must pay the agreed amount at the agreed time. Even if it’s a small loan that doesn’t have a good credit score. Even if you are tricked, you must be brave enough to take responsibility for your mistakes and gain wisdom from the mistakes you make. No amount of money can buy credit back! You still have a long way to go, and credit will accompany you throughout your life. Good credit will be a booster for you in the future.

The consequences of not paying back the card.

First of all, your address book will be blown up, and your friends and family may be harassed non-stop. On the one hand, it will damage your own image; on the other hand, it will affect the lives of your family and friends because of you;

Secondly, there will be stains on your credit report that will not be eliminated within 5 years! When you enter the society and look for a job, the employer may reject you because of this. When you need a loan to get married, buy a house, or buy a car, the bank will reject you. Occasionally, when you are in a pinch, when you ask for a loan from a friend, your friend will reject you;

Once again, it will have an impact on your outlook on life. Even if it turns out to be a bad debt and you don't have to pay it back, you will have the idea that you can borrow money without paying it back. If things go on like this, I will just work hard because the money from work comes too slowly! Borrowing money without repaying it can get something for nothing. It’s easy to go astray!

The amount of credit card borrowing is generally not large, but there are still ways to solve it. Let’s talk about the solution below.

First, you can borrow money from relatives and friends. It is better for you to borrow money to make phone calls than to have your address book destroyed by the loan company.

Second, you can take part-time work in your spare time to increase your financial resources. Or if your boss advances part of your future salary in advance, you are usually very anxious, and your boss will be happy to do it as a favor.

Thirdly, if the above two methods are still not enough, you can negotiate with the credit card company to repay in batches! As long as you are willing to pay back the money, the credit card company can still be accommodating!

In short, credit is like life, you must have credit awareness, maintain good credit, and enjoy your life!

I now have 5 credit cards around me and have been using credit cards for nearly ten years.

I used to work at a bank card processing place and I know some about these credit cards and their bills. The repayment date is on the same day, so no matter how big the amount is, I must pay it back within the specified time.

If you do not repay it in time, it will affect your personal credit, and you will not be able to erase it from your future loans.

Control within your own capabilities.

Credit cards also have their advantages and disadvantages

Advantages:

? If you know it in advance, you can misappropriate it. At least you don’t have to look for others. I borrowed it, but I felt embarrassed that others wouldn’t lend it to me.

?Can be used for free for 50 days

?You can also earn points by swiping your card, and the points can be exchanged for gifts. I have received a lot of gifts in exchange for them

? It’s really not enough, you can still pay in installments. Just charge an installment fee.

Disadvantages:

? You will forget the repayment date.

?The cash withdrawal fees are extremely expensive and are calculated based on daily interest.

?If you have no self-control, you will consume in advance and you will not be able to pay it back.

?The annual fee for a credit card is quite high. Some banks waive the annual fee if you make 5 transactions.

?The credit card statement date and repayment date must be clearly understood.

Because I was in the building materials business, I always used my credit card to misappropriate money. I usually use a credit card to buy things, so my limit is quite high.

That’s all I can think of. The more you use a credit card, the limit you pay back on time will slowly increase. I think it’s good when you need it urgently. It must be within your own capabilities.

In 2017, I was thought to be a close friend and was defrauded of all my money. I also encountered changes in my family and had to pay rent. As a result, my credit card was maxed out and it was overdue for six months. Just returned it.

It was a helpless move to overdue the credit card at that time, because the limit at the time was okay. After all, I had just started working not long ago, and it was only a little more than 4,000 a month. The total limit given by China Merchants Bank and ICBC was more than 40,000. But when a friend came to my house, I was careless and did not set a lock screen password on my phone, which caused him to change my payment password through a text message and steal my Huabei Borebei and cash. He disappeared from his sight after a month. I had another car accident and needed money, and all these circumstances made my credit card overdue.

I was very nervous from the first day when it was overdue. I was very scared by the debt collection mentioned on the Internet. Fortunately, in the first few days, they were all calls from robots. Later, they were transferred to the debt collection company and I refused to accept them. Because I read what others said on the Internet, I set my parents' mobile phones to intercept strangers early. But every time my parents received calls from relatives and friends, I felt like I was shaking. When I went to work, I looked at the company's When the phone rang, I was afraid it was a collection agency.

I couldn't bear it anymore, so I went home and confessed. With the understanding of my parents, I borrowed money from relatives and friends to pay off the debt.

At that time, I was debt-free and light-hearted. Not to mention how good I felt. I no longer had to worry about the phone ringing, and I didn’t have to dream about paying back the money every night. After my life returned to normal, it was really comfortable, every day. It's really a wonderful thing to live without having to worry too much.

It’s best not to experience it

I have never opened a credit card, but I have opened Huabei with Alipay. If I can’t pay it in a month, I will pay it back in installments.

Share real experiences.

Although it is not a card for my own use. But the card's name is mine. When my husband needed money for a project, he told me to apply for a credit card and charge it back every month. I was reluctant at first. I wanted to get the conditions right when we started living together. Now it’s hard to borrow money from anyone because I’m afraid you won’t be able to pay it back. I just thought I'd better apply for a card. It was okay at the beginning, the cashed-out money was repaid every month, and the construction site was running very well. Then something happened at the construction site. If no money comes from the boss, the money owed to the bank will be cut off. The bank started calling to demand payment. I was in confinement at that time and I didn’t know that something had happened. The bank called me and told me that if it was overdue, I had to pay at least the minimum amount, otherwise my credit would be affected. I have never owed money. If I don't pay back the money I owe to the bank, then I can pay it off. At that time, I called my husband and found out that I had no money. It felt dark with my newborn baby in my arms. In fact, I didn’t spend a penny of the money, and I felt very wronged. Who said we were husband and wife? Call the banks one by one. There were threats and intimidation, and I lived a very unsettled life during the short period of time that Fang Zheng had. Some even went to their homes and knocked on the door. I couldn’t even breathe while holding the baby. I married from another province and my family is no longer around. I was already prone to depression. When friends lend us money, I urge them to pay me back. That friend was also a scoundrel. I said nice things to him but refused to repay him. Later, my mother-in-law took out some money and borrowed some. Return the card you are most anxious about first. Now I still have some cards to pay off. I don’t dare to think about it either. I took my child back to my parents' home and worked some classes to ensure the expenses for me and the child. The most sorry thing is that my parents still have children. It is also difficult to receive money at construction sites affected by the epidemic. Until now, when I see calls from unknown numbers, I dare not answer them.

Therefore, friends are reminded to be cautious when using cards. Use your card wisely. And it cannot be borrowed. Neither can couples.

Some have been written off as bad debts, some want to sue, and some will stop urging me to pay back some interest every month