Credit cards are no longer a rarity. In life, many people around us have applied for credit cards. Unlike savings cards, credit cards are bank cards that can be overdrawn. As for the overdraft limit, it depends on your limit. Credit cards can really solve urgent needs and alleviate temporary economic pressure.
But if you don't use it properly, it may also get you into debt. According to the notice issued by the central bank, in the third quarter of 2020, the total outstanding credit of China's credit cards overdue for half a year has reached 90.663 billion yuan. If the credit card repays on time, there is no cost, but if it is overdue, all kinds of costs add up to a lot.
Overdue credit cards not only have a certain impact on personal credit information, but also face other problems. You should know that overdue credit cards will be filed, one is civil and the other is criminal. Many people may not be clear about this, and borrowing money also involves crime.
If you don't pay for a long time, the bank will sue you for malicious overdraft, but the credit card has also begun to "adjust". In the past, when the overdue amount reached 6,543,800 yuan, it was filed as a criminal case. Now it needs to reach 50,000 yuan.
On the other hand, credit cards have also been adjusted. We know that if it is overdue, there will be a certain late payment fee, and now the late payment fee has been banned by liquidated damages. Moreover, the fees charged have also been reduced, calculated according to the repayment of 5%.
Paying off debts is a matter of course. If the credit card is in arrears, it should be returned as soon as possible. If it is overdue, it will generate more expenses, thus increasing the cost of repayment. If you refuse to repay, you will not only face more and more arrears, but also jail time.
So you should actively face the money you owe. If you have certain financial difficulties, you can negotiate repayment with the bank. Explain your financial situation and willingness to repay, and strive for the bank to repay your credit card in installments or delay repayment.
Generally speaking, the main purpose of banks is to let users fulfill their repayment obligations. If the user has a good attitude and tries his best to repay the arrears, the bank will naturally not file a case for handling. Then, if it is not repaid for a long time, the bank can only safeguard its legitimate rights and interests through legal means.
At present, it is very important to have a reasonable consumption view. If you are already in debt, you should deal with it as soon as possible. At present, credit cards are being "adjusted" and many banks are doing it at the same time. For users, it is also relaxing, so we should actively respond to it so as not to cause more adverse effects on ourselves.
Moreover, repayment can be negotiated in the future, and if it rises to criminal responsibility, the problem will be more serious.