What should I do if my credit card is overdue and I have no money?

The solutions are as follows: 1. Negotiate with the bank in a friendly way and strive for a grace period. 2. If you still have some money on hand, you can choose to repay by installments or minimum repayment. Some banks have 24 installments. 3. You can borrow money from friends and relatives to pay back your credit card, and then pay it back to your friends when you have money.

The following is a detailed explanation:

1. To apply for deferred repayment, most banks provide users with a grace period for repayment, as long as they can repay within the grace period, and they can also use installment repayment or minimum repayment. The minimum repayment amount is usually only one tenth of the total repayment amount, which can be used for emergency rescue.

2. If you can't repay your credit card, you can borrow money from your friends and relatives, and then pay it back to your friends when you have enough money, which can help you tide over the crisis, but this method can't be used often. In order to prevent the repayment from not being made on time on the repayment date, you must be temperate when using credit cards, and don't exceed your tolerance.

if the credit card is not returned all the time, the bank will upload the overdue records to the credit center, and the generated bad information will be kept for a long time, and there will be penalty interest, which will be calculated until the cardholder repays, and if it is not returned for more than 9 days, the cardholder will be blacklisted by the bank.

What should I do if my credit card is unable to repay?

If my credit card has no money to repay temporarily, I can postpone the repayment or apply to the bank for the minimum repayment. If the overdraft amount reaches more than 1, yuan, and it is not returned for more than 3 months after being collected twice by the issuing bank, it constitutes a credit card crime and will be prosecuted for criminal responsibility. If all the overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. If you still refuse to execute the judgment, you are suspected of refusing to execute the judgment or ruling.

Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Under any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability, a large number of overdrafts cannot be returned; (2) wantonly squandering overdrawn funds, which cannot be returned; (3) escaping after overdraft, changing contact information, evading bank collection; (4) withdrawing or transferring funds, concealing property, and evading repayment; (5)

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What should I do if I have no money to repay my credit card?

legal analysis: credit cards must be repaid in time. If you really have no money, you can pay the minimum amount first. If you still have no money, it is recommended to ask your family for help. If the credit card fails to repay in time, it will bear legal responsibility. First of all, it will generate high overdue interest. Secondly, you will be caught by the bank, and you will have economic losses such as legal fees and attorney fees. Moreover, individuals will have bad credit records, which will have an impact on future bank cards and loans.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China implements a credit card. In any of the following cases, if the amount is relatively large, it shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed; If the amount is especially huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than 1 years or fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated:

(1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and refuses to return it after being urged by the issuing bank.

that's enough for the introduction of how to do if you have no money to pay back your credit card.