1. What should I do if my credit card owes money in prison?

1, you should actively communicate with the bank or contact family and friends to handle it on your behalf, otherwise it may constitute credit card fraud. Credit card overdue repayment will be recovered by the bank, and the court will include it in the list of untrustworthy people. After being released from prison or released from custody, the bank will ask for enforcement, and the court will freeze the person's property.

2. The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to repay at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

3. In practice, after handling a credit card, if it is overdue for more than three months or the bank reminds it twice or more, the bank will freeze the card and list it as a prohibited customer, and then the bank will sue the court.

Second, what should I do if I don't pay back the credit card for the time being?

1. Call the bank customer service in time to negotiate a deferred repayment.

(1) Generally, most banks will allow cardholders to call to apply for deferred repayment, and the extension period is generally one week.

(2) Therefore, as long as the money is returned within the delay period, the late payment fee can be waived.

2. You can pay the minimum repayment first.

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

(2) In practice, this minimum repayment amount is 65438+ 00% of the bill amount.

3. Request to change the final repayment date.

(1) If the final repayment date happens to be when funds are tight, you may wish to negotiate with the issuing bank to change your repayment period.

(2) According to the actual situation, we can choose the last repayment date as two or three days after the salary is paid, so that we can have enough money to repay and avoid our unrestrained consumption next month.

Don't think that you don't have to pay back your credit card when you go to prison, or that you still have to pay it back within the specified time. Unless you can persuade the bank to stop paying the bill for you, once it is overdue, you will also bear the corresponding overdue consequences. If you owe a lot, if you refuse to repay and don't contact the bank, you may be sued by the bank for fraud.