1. What to do if the cardholder fails to repay the credit card after being imprisoned

The first way is to entrust a relative or friend to repay the credit card instead. If you are serving a sentence in prison, in this case, you can meet with your relatives every month. During the meeting, you can tell your relatives the credit card money you owe to the bank, and finally, relatives and friends will repay it on your behalf.

Because the overdue interest, related penalty interest and late payment fees on credit cards will be very high. Therefore, it is best to entrust relatives and friends to repay the above amount as soon as possible.

The second way is to repay it yourself after being released from prison. In this case, you can repay it yourself after you are released from prison.

2. Will the bank sue you for late repayment on your credit card?

Generally speaking, if your credit card repayment is overdue, you may encounter the following consequences:

1. Failure to repay in time will affect your personal credit record. This is first of all. If you are overdue, you are not keeping your promise.

2. Once you have a bad record on your personal credit report, it will affect your future matters, including various loan applications, credit card applications, and even going abroad. This is not an issue that affects your continued use of credit cards.

3. If you do not repay the debt for a long time, not only will there be high late fees and interest;

4. The bank may also charge this part of the debt to It is classified as a malicious overdraft, which means that if you overdraft maliciously, the bank will have the right to judicially prosecute the cardholder who fails to repay the card for a long time.

5. In practice, after you apply for a credit card, if you are overdue for more than three months or fail to repay the bank's reminders more than twice, the bank will freeze the card and classify it as a prohibited customer. , and then the bank will sue in court.

3. What to do if the credit card debt is temporarily unpaid

1. Call the bank customer service in time to negotiate for an extension of repayment

(1) Generally speaking, most banks Cardholders will be allowed to call to apply for a deferment of repayment, and the deferment period is usually one week.

(2) Therefore, as long as you pay back the money within the deferment period, you can avoid paying late fees.

2. You can pay the minimum repayment amount first

(1) Each bank will set a minimum repayment amount for credit card holders. As long as the cardholder can repay the If this minimum amount is reached, the bank will not charge late fees, and it will not affect the cardholder's personal credit.

(2) In practice, this minimum repayment amount is 10% of the bill amount.

(1) If the final repayment date happens to be when you are tight, you may wish to negotiate with the card issuer to change your repayment deadline.

(2) Depending on the actual situation, you can choose the final repayment date two or three days after the salary is paid. This will not only have enough money to repay, but also avoid the need for repayment in the next month. Spending without restraint.

No matter what the reason is, as long as the credit card is overdue and the payment is not made, you may be held responsible. As long as the credit card debtor uses the credit card to make purchases, a creditor-debt relationship will automatically be established with the card-issuing bank. He must bear the responsibility for debt repayment, so even if the debtor is sentenced, it is not a reason to be exempted from repayment responsibility.