there are only three endings.

the first outcome is to ignore it for years and wait for the bank to go bankrupt, which may become bad debts and be written off. In fact, there are indeed banks that go bankrupt. Although the probability is small, it is not without it.

in the second ending, the card-issuing bank collects debts, and is entrusted to a collection company with black social nature to collect debts, and the bank plays the golden cicada to get rid of the shell. Debtors are threatened by various means and still have no money to pay back. In the end, they will be sued to the bank, and they will become people who have been blackmailed by credit information and listed on the Lao Lai list. From then on, they will live like a lost dog!

the third outcome, forced by debt, really has no choice but to take extreme measures to avoid debt forever. For example, suicide, revenge on society, mutual destruction with creditors and debt collectors and other extreme ways to end a life of anxiety without joy and regret! It's not alarmist, similar incidents happen from time to time!

Lending companies, lenders, hold Qian Qian tight, and don't lend money easily. You want his high interest, such as real estate and luxury cars. He wants your principal and even your life. Only when the upstream of the loan is controlled, will there be fewer and fewer dishonesty and laolai.

I'll see you in court if I sue. Finally, I will pay back the money (legally and legally), and I will pay it off sooner or later, except for those who deliberately fail to pay back the debt. Finally, I will pay back the money. Reasonable money must be paid back. I am now overdue in debt, owing more than a dozen platforms and credit cards. I am working hard to make money and pay off my debts. I have no choice but to invest and over-consume, and I will eat the bitter fruit I planted myself. There are very few people who really deliberately don't pay back the money. I hope to give debtors more space and understanding. It's not that they don't pay back. There is really no way but to solve it slowly.

It's just that there's something wrong with personal credit reporting. You should eat and drink. It's rare to hear that people go to jail for owing online loans and credit cards. One of my high school classmates owed more than 2, online loans for more than four years and never paid them back. Now the collection has basically given him up. The classmate used his wife's name to buy a house and a car, and he has a good life. He used online loans to tide over the difficulties.

I'm almost three years overdue. In the first year, I collected loans, Xiaomi, Zhaolian, Wanda and credit cards: Ping 'an, Jiaotong and CITIC. Among them, the safe ones pretend to be police officers, because they are really indefensible, so they don't care too much. Others have been collecting money, and their attitude is better than others. But no matter how much they collect, they must hold on. If you don't have money to pay back, it's useless to talk about it. When you have money, you can communicate with them and pay back the principal in installments. Pufa, Minsheng, Ping An and CITIC all repay the principal in installments. Guangzhou is still paying back, and now the remaining credit card traffic has attracted investment. Just wait for them to negotiate, and now China Post Finance has just finished the negotiation. In the past three years, it has been relatively difficult, especially in the first two years, I kept calling. What hasn't been repaid online? It's not that I don't want to repay it. I really feel powerless, so I can only owe it first. There are still some phone calls and messages now and then. As for how to live or how to live, debt is not terrible, the key is what you think and see.

There are three online loans and credit cards that are overdue.

tell me one typical one.

My friend's younger brother worked in insurance after graduating from college, and his performance was not bad at first. In order to facilitate business development, he used a credit card to pay a down payment to buy a car of more than 1, yuan. As a result, not long after, due to the unsatisfactory insurance performance and the cost of talking about girlfriends, the car loan could not be repaid normally, and the overdue period appeared. So, he set up three credit cards and began to rob Peter to pay Paul. Later, the credit cards expired again and he applied for online loans. In this way, for more than two years, the debt accumulated to more than 6 thousand, and there was no way to sell the car that had only driven more than 1 thousand kilometers to pay off the account. He kept it from his family before, and then the family knew that he owed a huge debt! After buying a car and repaying it, he still has 52 thousand to pay off. I heard that in the past two years, hundreds of thousands of old-age money saved by parents have been paid off. Now, nearly 7-year-old parents and his three people have worked to pay off their debts, but they still have not paid off.

Through the story of my friend's brother, I summed up its lessons: 1. After the online loan and credit card expire, the interest is very high. If the loan is not repaid in time, the small loan will soon become a terrible huge debt. 2. Young people must first consider the consequences of doing things, and don't easily go to online loans and use credit cards in large amounts unless they are sure to pay them off in time. 3. Don't hide it when online loans and credit card loans are overdue. Be sure to tell your family in time and ask for help as soon as possible to avoid the interest of snowballing from turning small loans into huge arrears.

Finally, let's talk about the solution to the problem: If the loan has turned into a large amount of arrears and cannot be repaid, we should negotiate with the borrower as soon as possible, strive to waive most of the original interest, sign a repayment agreement, and ask for free interest or low interest during the repayment period, so that we can hope to pay off the arrears. Otherwise, if the interest is rolled over or repaid, I am afraid that this' usury' will never be clear under the condition of low income.

credit card: negotiate with the bank as soon as possible before it is overdue. Give a detailed repayment plan!

1. Interest

As we all know, the interest rate of banks is very high. Just try to find out how high it is. You have to pay two fees before the credit card is paid, one is the late payment fee and the other is the penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is 5/1 per day, and the interest is rolling.

2. Blacklist

If there are many overdue times or the repayment is seriously refused, you will be blacklisted, and there is no hope of buying a car or a house loan in the future. Once blacklisted, it will affect the credit record, so your future car, hotel and other aspects will have an impact.

3. Legal liability

Once the bank sues you, you will be investigated by law, so if you overdraw and don't repay, even if you "run away" or "disappear", it won't help. If the credit card is maliciously overdrawn for more than 9 days, the bank can sue. And many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", and they will go directly to the cardholder's residence or even their hometown to collect debts!

Now it's more clear about the consequences of not paying the credit card, so we should advise all cardholders to live within their means, and repay in time after overdraft to avoid overdue. And if you really can't pay for it for a while, don't take extreme measures. In addition to the minimum repayment and installment, you still have a way out. You can choose to change the billing date.

even if you are in trouble, you will still go in a few hundred a month.

there are two kinds of online loans: one is online loans with credit information, and the other is online loans without credit information. Online loans with credit information are repaid first, and those without credit information are waiting to sue for repayment.

whether it is a credit card or an online loan, the first thing we should do is to adjust our mentality and make full use of our specialties to make more money. Please also owe money as soon as possible!

what you owe is money, not life! If you have money, you will pay it back. If you don't have money, you will be ruined. If you are lucky, you can make a comeback! No luck, just work hard to make money! Eat and drink, look down! The experience of a person who has been there! The world is the most important thing! Fame is really worthless when you are down and out! Is an ordinary person in itself!

I now have four online loans, including Meituan 8, Micro-loan 2,, 36 IOU 6,, Alipay IOU and Huabai 21,. Nine credit cards, * * * 186,. With a debt of 5 thousand, I can't bear it anymore, and my eyes are in a trance. Alipay has been overdue for 5 days, and there is no violent dunning at present. Now it is handed over to the so-called professional negotiation company for the second installment.

if it is overdue for a long time, it must be a violent dunning first, or even an address book. As far as I know, it will not be prosecuted, at least online loans will not be prosecuted, which belongs to private lending. It's just that if your psychological construction is not strong enough, you need to get through it yourself. It is best to find a bank or online loan company to negotiate to stop repayment, otherwise only the interest will be paid, and the principal will still be a lot, which is simply a bottomless pit.

Finally, I hope that the business of physical stores will be better. Everyone should take care of physical stores, and don't always buy online. Now the profits of physical stores are really low, and there is no such profiteering. I wish you and yourself a speedy landing.

I only owe the online loan. For more than two years, the interest rate has been horribly high. The collection phone and threatening text messages have been intercepted. Haha, it's still the same. Eat and drink

Heaven has a good cycle. God forgives anyone who owes the online loan credit card. Those who can't afford it after the deadline will eventually pay it back. Personal point of view.

online credit card. Generally speaking, the amount will not be too high, and overdue is only a process. How can young people see the rainbow without experiencing wind and rain? This is also a kind of exercise, and people have to go through many hardships in their lives. I only know a lot of truth, and some things have to be experienced by myself. Correct attitude and work hard, everyone will get through this mess. Online credit card, overdue is not terrible, take the initiative to repay, and you will enjoy a relaxed pleasure of repayment.

having an online credit card proves that you have a good credit, and having a credit card is also a symbol of your status. Making good use of the credit card will also bring you a lot of convenience. He has many benefits. There is not much explanation, and it will take a few days to finish. In short, good use, many benefits, malicious overdraft, many disadvantages.

beginning of life is good in nature. No one wants to leave a stain on themselves and affect the next generation. Personal opinion, a normal credit card will be paid back after the deadline. There is still a long way to go in life, and there will always be opportunities to change your destiny.

of course, there is another kind of person, the one who broke the jar and fell, so we won't mention it. Wasting time. What will happen to him can be imagined.

Online credit cards are overdue, which is not hateful. The most hateful thing is that those who borrow money from relatives and friends and don't pay it back, those who have the ability to owe the bank, those who owe their relatives and friends, forget it, and do whatever it takes, which is even more hateful than online scammers. Why don't you want to give it back? Whose is it from the strong wind? This kind of person is the most hateful.

wealth cannot be greater than merit. I wish my friends positive energy, sunny optimism, healthy life and enjoy life.