1. What's the solution to owe 60,000 credit cards?

1. Choose to contact the bank before the repayment date and ask whether the repayment can be negotiated. Generally speaking, the bank will choose the repayment plan according to the actual situation of the user, including stop interest and installment repayment.

2. Applying for credit card installment payment can reduce the repayment pressure and avoid overdue. According to different banks, the number of periods varies, but most banks can be divided into at least 3 periods and at most 24 periods. The longer the installment time, the higher the interest. The staging time should be selected according to the actual situation.

3. It is necessary to prove to the bank that the cardholder is temporarily unable to repay, and then pay a little money to the debtor's credit card every month, which shows that he has no malicious breach of contract, but he is willing to repay, but he is temporarily unable to repay.

Second, what are the consequences of owing 60,000 credit cards?

1. The cardholder's credit card bill exceeds 50,000 yuan, which meets the filing criteria. Cardholders may be investigated for criminal responsibility. Although if the bank brings a civil lawsuit against the cardholder, the cardholder does not have to bear criminal responsibility. However, if the bank brings criminal proceedings against the cardholder, the cardholder will bear criminal responsibility and may go to jail.

2. If the credit card is overdue, interest and late fees will be charged. If the cardholder's credit card is overdue for a long time, the fee will be deducted all the time. The late payment fee is charged at 5% per month, and the interest is five ten thousandths per day.

3. As the mainstream credit product of the bank, credit cards will be uploaded to the credit information system when overdue, showing the cardholder's credit card swipe record, repayment record and overdue record. If the cardholder fails to repay after 60 thousand yuan is overdue, the bad record will become more and more serious.

Third, how to avoid going to jail if you owe 60,000 credit cards?

1. Don't disappear. If there is malicious harassment or bad attitude towards the bank's call collection, the cardholder can complain, but never evade the call collection. You must have a correct repayment attitude to avoid going to jail.

2. Try to repay the loan and try to avoid the overdue amount exceeding 50,000 yuan. If the cardholder can reduce the principal to less than 50 thousand yuan, he may still be prosecuted, but he can avoid jail.

3. Take the initiative to negotiate with the bank. If you can reach an installment agreement with the bank or stop repayment, the bank will naturally not sue, and the cardholder will not have to worry about going to jail.

Third, how to avoid going to jail if you owe 60,000 credit cards?

1. Don't disappear. If there is malicious harassment or bad attitude towards the bank's call collection, the cardholder can complain, but never evade the call collection. You must have a correct repayment attitude to avoid going to jail.

2. Try to repay the loan and try to avoid the overdue amount exceeding 50,000 yuan. If the cardholder can reduce the principal to less than 50 thousand yuan, he may still be prosecuted, but he can avoid jail.

3. Take the initiative to negotiate with the bank. If you can reach an installment agreement with the bank or stop repayment, the bank will naturally not sue, and the cardholder will not have to worry about going to jail.

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