1. Who should I consult if my credit card is overdue?
If the credit card is overdue, the cardholder can consult the credit card issuer.
Under normal circumstances, banks will have special personnel or departments responsible for user repayment negotiations and loan negotiations. If the user wants to negotiate overdue repayment with the bank, there are two ways:
1. Cardholders can call the bank's customer service phone to negotiate, explain the reasons for not repaying in time, promise to repay as soon as possible, or provide proof of repayment ability, such as running salary;
2. Cardholders can also go to the counter of bank outlets to negotiate.
2. What are the legal consequences of overdue credit cards?
1, and high interest will be charged if it is overdue.
Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.
2. There will be a credit card late fee.
3. Bad credit records will be generated.
4. Time and duration may lead to litigation costs.
If the cardholder fails to repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the user overdraws 180 days and still refuses to repay, the bank will bring a lawsuit to the court, and the losing party will bear the litigation costs of the case. Generally, the bank wins the case and requires the user to repay, so this part of the cost will be borne by the user.
5. Malicious overdraft requires criminal responsibility.
3. Will there be a bad record if the credit card is overdue for three days?
There is no bad record when the credit card is returned three days overdue, but it is basically a credit report at the meeting after 15 days. Overdue records of credit information will affect commercial loans in the past five years, such as loans to buy a house, loans to buy a car, and handling credit cards. Generally, I only look at the credit records in the past two years. In addition, overdue credit cards will have the following consequences:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
If the credit card is overdue, the cardholder can consult the credit card issuer. Under normal circumstances, banks will have special personnel or departments responsible for user repayment negotiations and loan negotiations. If the user is overdue, he wants to negotiate with the bank. Cardholders can also negotiate at the counter of the bank's business outlets. I hope the above content can help you. If you have any other questions, you can click the button below to consult a creditor's lawyer.