If you don't return it, you must find a way to return it. You can't shirk this account. After the credit card is overdue, the bank's own collection department will call you and send a text message to collect it, which will be more civilized. However, after the collection fails, it will generally be transferred to the outsourcing collection company. How long will it take? My summary here is that after the bank's collection for about 3 months is fruitless. After going to the outsourcing collection company, there is no lower limit for this method, and there will be various threats and even home visits.

If you don't return it, you must find a way to return it. You can't shirk this account.

After the credit card is overdue, the bank's own collection department will call you and send a text message to collect it, which will be more civilized. However, after the collection fails, it will generally be transferred to the outsourcing collection company. How long will it take? My summary here is that after the bank's collection for about 3 months is fruitless. After going to the outsourcing collection company, there is no lower limit for this method, and there will be various threats and even home visits. In addition, after being transferred to a third party for collection, they will call you or your family every day. During the call, you and your family make each other feel that you can receive the money, or that you still have some financial ability, and so on. But you don't pay it back, then the other party may further shock you and force you to pay back the money by going to the door.

How to avoid this situation? Actually, it's easy to solve. If it is really difficult, you can explain your difficulties when collecting money, and go in a little every month to let the bank see your difficulties and actual willingness to repay. Then there are no conditions. But I don't recommend this, because the collection will always haunt you and your family! There are three ways to deal with it.

1, ask friends and relatives for help.

That is, borrowing money, but this method is still difficult, unless it is some close friends or close relatives, it is not easy to borrow. When borrowing money, it is better to repay it as planned. If possible, write an IOU and give some interest, which will make it easier to gain trust.

2. Take the initiative to negotiate with the bank

If the credit card is not repaid, it is best to negotiate with the bank for repayment. It is troublesome to know that the credit card is overdue. Regardless of the impact on credit, criminal responsibility may be investigated. After all, the bank can be characterized as malicious overdraft after two collections in March, and it is recommended to deal with it as soon as possible.

3. Find a professional third-party company to optimize debt.

If you don't know how to negotiate with the bank, then you can consider finding a third-party professional company to handle it. They will give a reasonable solution according to your actual situation, so that you can stop loss in time and safeguard your legitimate rights and interests!

What if the credit card is still in arrears?

The solution to credit card arrears for many years is as follows:

1. Borrow money from relatives and friends to temporarily make up for the loopholes. If it is only a temporary situation, there will be enough funds soon; Then you can borrow some money from relatives and friends and pay it back when the funds are in place.

2. Apply for deferred repayment. In case of unexpected circumstances, such as hospitalization or unemployment, you can contact the bank customer service. Tell the customer service about your real situation, and then apply for deferred repayment.

3. Apply for installment repayment by stopping interest payment when the situation is serious and repayment is relatively more difficult; You can contact the bank customer service. Provide relevant materials to apply for deferred repayment and installment repayment.

4. Negotiate with banks to reduce credit card debt. If negotiation fails, credit card debt can be reduced or exempted through judicial organs.

What if the credit card is not returned? Is there any way to solve it?

The credit card has not been returned, and the best solution is to negotiate repayment with the bank. The contents of negotiated repayment can be deferred repayment, interest reduction, etc. After receiving the application for negotiation, the bank will review it according to the specific situation of the user. After approval, users can negotiate successfully. If the audit fails, the user must pay off the overdue debt as soon as possible.

Users can only negotiate with the bank if it is overdue, so it is best for users to repay on time before it is overdue.

I. Various situations of overdue credit cards:

1. The credit card was overdue and was returned later.

Many people will encounter this situation, which basically only affects the personal credit information system. Your overdue situation will be recorded in the credit information system.

If the overdue time is not long, it will basically not affect the use of the card.

2. If the credit card is overdue, negotiate repayment with the credit card center.

When the credit card is overdue, you will usually receive a phone call from the collection staff to remind you to return the credit card. At present, credit cards can be repaid in installments. If there is any problem, you can negotiate repayment with the credit card center. This situation, like the first one, will affect personal credit information, but it will not cause particularly serious consequences.

3. Credit card center, mediation or enforcement.

Some people in life are unable to repay their credit cards because they are heavily in debt. At this time, the bank will file a lawsuit by passing the subpoena to the overdue user. During the litigation, the bank can also apply for property preservation, freeze the borrower's bank account and seal up real estate such as vehicles.

4. There is no repayment after collection and the amount is huge.

In this case, the bank may sue you for a crime and sentence you for the crime of credit card according to Article 196 of the Criminal Law.

Second, the worst result of not getting a credit card is:

1, credit investigation: Undoubtedly, the overdue repayment of users' credit cards is naturally a credit investigation report at the meeting, which causes personal credit losses and leaves a stain on the credit investigation report.

2. Penalty interest: Like loans, credit cards will be charged with penalty interest if they are overdue. Generally speaking, it is charged at 15000 yuan per day, and the compound interest calculation method is adopted. Over time, it will be a big expense.

3. Collection: In addition to the collection by the bank collection department, it is also likely to be outsourced to a third-party collection company. Various collection methods and frequent collection frequency are a great "test" for the debtor himself and his relatives and friends.

4. The overdue situation is different. If it is generally overdue and repayable after collection, then the problem is not big. It is enough to keep the credit for a period of time, but if it is overdue for more than 3 months, then the bank is likely to do it. At that time, it will be listed as a person who has broken his promise and become an old lai. It will be very troublesome to limit high consumption.

So much for the introduction of what to do if the credit card is not returned.