What should I do if the credit card is not paid? What can I do to solve it?

The best solution is to negotiate repayment with the bank. The content 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 the approval, the user can negotiate successfully. If the audit fails, the user must pay off the overdue arrears as soon as possible.

Only when it is overdue can users negotiate with the bank, so it is better for users to repay on time before it is overdue.

1. Various situations of overdue credit card:

1. Many people will encounter the situation that the credit card is overdue, but it is repaid later

. In this case, it basically only affects the personal credit information system. Your overdue status 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 generally receive a phone call from the collection staff to remind you to repay the credit card. At present, credit cards can be repaid in installments. If there is a problem, you can negotiate with the credit card center for repayment. 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 their lives are unable to pay back their credit cards because they are deeply in debt. At this time, the bank will file a lawsuit by passing the subpoena to the overdue user. During the litigation, the bank may also apply for property preservation, freeze the borrower's bank account, and seal up vehicles and other real estate.

4. The amount of repayment is huge

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

second, the credit card is not yet available. The worst result is:

1. Credit reporting: There is no doubt that the overdue credit card repayment of users naturally leads to credit reporting at the meeting, which causes personal credit breach and leaves a stain record on the credit reporting.

2. Penalty interest: Like a loan, you will be charged a penalty interest if you use a credit card overdue. Generally speaking, it is charged at a daily rate of 15, yuan, and the compound interest calculation method is adopted. Over time, it will be a big expenditure.

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

4. The overdue situation will be different. If it is generally overdue and the repayment is made after collection, then the problem is not big. It is enough to keep the credit for a period of time. However, if it is overdue for more than 3 months, the bank is likely to carry out it, and then it will be listed as the person who has broken the trust and become an old-timer, so it will be very troublesome to limit high consumption.

what should I do if the credit card repayment is still not available? 4 solutions are introduced if the credit card repayment is still not available.

1. According to the laws of our country, it can be characterized as malicious overdraft if it is not paid back by the bank twice in March. Therefore, even if you have no money, don't refuse to answer the phone of the bank, and it is the best policy to discuss the solution with the bank.

2. Repay the minimum repayment amount. If you can't repay in full in this period, you can also choose to repay the minimum repayment amount, usually 5%-1% of the overdraft limit. For example, if your bill is 1, yuan, the minimum repayment amount is 1%, that is, 1, yuan = 1 yuan. That is to say, in this period, you only need to repay 1 yuan, and you will be able to live in peace, and your personal credit will not be affected, but interest will be generated, but it is more cost-effective than the credit will be affected.

3. Apply for bill installment. Besides the method of minimum repayment, the most commonly used method is bill installment, which can be repaid in 24 installments at the longest, that is, two years. However, similar to the above method, there will be a handling fee, but it will not affect personal credit information, and it is also a way to save the emergency. It should be noted that it is not recommended to repay in advance after the installment, because the handling fee is collected according to the fee.

4. modify the billing date. This method is not applicable to all banks. Modifying the billing statement before billing is equivalent to extending the interest-free period in disguise. The advantage of this method is that it will not generate unnecessary expenses, but its scope of application is limited. It is recommended to consult the bank in advance.

What if the credit card is not paid

If the credit card is not paid, you can apply to the bank for minimum repayment or deferred repayment. If it is for the purpose of illegal possession, the overdraft amount reaches more than 1, yuan, and it is still not returned after more than 3 months of collection by the issuing bank, it is suspected of malicious overdraft. The cardholder can explain to the bank the willingness to repay, the fact that he has not paid the credit card debt for the time being and the plan for repayment in the future, and the general bank will give him a grace period.

according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

This is the end of the introduction about what to do if the credit card can't be repaid and what to do if the bank credit card can't be repaid. Did you find the information you need?