There are so many types of credit cards, such as gas cards, shopping cards, platinum cards, exclusive cards, etc. There are so many types that I can’t even count them. Different types of credit cards The functions are also different. Many friends apply for it based on their own needs, but some friends apply for it because of their excessive consumption needs. Many friends think that if they borrow money now to buy something they need, they will definitely be able to pay it back in the future. Yes, so I will go through it, but the final result is often that I can't pay it when the repayment date comes.

In this case, you can only overdue. The interest and liquidated damages after overdue will really increase exponentially. Many friends are overwhelmed by this debt. Not only that, many friends You will also be subject to various collections. If it is a collection within the bank, it will not matter. They are most afraid of asking for external debt collection, which is very uncomfortable for everyone. After all, the external debt collection methods are very unusual, especially those from online loans. They dare to use any means to get their money back, which makes many people in debt Everyone has a headache.

But everyone does not need to worry. In 2021, the central bank has issued new policies. Cardholders with overdue credit cards will be saved. The first is the collection of overdue credit cards. There are relevant policies for door-to-door collections for some violent collections. Policy, you no longer have to worry about being violently collected at your door. When the debt collection comes to your door, you can ask the other party to issue a certificate to prove the identity of the other party. Also, if you do not want the debt collection to come to your door, the other party cannot force it. There are also relevant regulations on the number of people who can come to collect debts, so you don’t have to worry.

In addition, there is also a policy for friends who cannot repay it all at once, that is, write down the same installment. This kind of installment is not only applicable to credit cards, but also to online loans. The longest period can be 60 installments, which eases everyone's worries. The repayment pressure can be reduced, and it can also avoid collection and prosecution. These are what friends with overdue credit cards are more worried and afraid of. Some banks can also reduce or exempt certain interest rates. Different banks have different negotiation policies, and different online loans The platforms are also different.

For example, the interest-free installment policy of Shanghai Pudong Development Bank is 6-60 installments, and there will be certain reductions and exemptions. Another example is the interest-free installment policy of Everbright Bank, which can also be 6-60 installments, but requires a down payment of 10 %-30%, the rest can be used for the interest-free installment policy. China Construction Bank's interest-free installment policy is also 6-60 installments, with almost no exemption. There is a small amount of interest within 90 days of overdue payment, and an interest rate of 0.05% per day for more than 90 days. ICBC's interest-free installments are also 6-60 installments. Without securitization, installments are usually 36 installments, and the total interest rate over three years is about 11%.

That’s all we have to say about the new policies of the central bank in 2021. Friends who like it can like it and save it. If you are still unclear about anything, you can leave a private message.