what should I do if the money I owe my credit card is not paid?

In case of credit card arrears, you can refer to the following methods:

Use the minimum repayment function

Every bank will have a minimum repayment function. As long as this minimum repayment amount is paid, the bank will not charge late fees, and it will not affect personal credit. Generally speaking, the minimum repayment amount is 1% of the total bill. For example, if you spend 1, yuan on your bill this month, the minimum repayment is only 1,1.

However, interest is charged at a minimum of five ten thousandths of a day. Therefore, it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.

The direct impact is that bad credit records are generated in the credit information system of the People's Bank of China, which will affect your future credit business such as loans and credit card applications.

secondly, the bank will call for payment;

finally, if you don't return it for a long time, you will even violate the criminal law.

for the sake of your personal credit, I suggest you try to repay the loan as soon as possible.

Article 196 of the Criminal Law of the People's Republic of China commits any of the following acts, and if the amount involved is relatively large, he shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed; If the amount is especially huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than 1 years or fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated:

(1) using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who use credit cards simultaneously shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

What should I do if I can't repay the money I owe to my credit card?

The solutions are as follows:

1. If I can't repay my debt temporarily, I can negotiate with my creditors to repay it by installments, postpone repayment or reduce my debt;

2. If the other party does not agree to postpone or reduce the debt and wants the debtor, then it is necessary to actively respond to the lawsuit in the future, so as to achieve the purpose of repayment by installments or within a time limit in court;

3. If the other party does not agree to extend or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor is able to repay but refuses to pay, the creditor may apply for enforcement. However, enforcement will not be put in prison, because civil liability does not involve criminal issues;

4. If the debtor really has no money to pay back:

(1) The executor knows that the party cannot execute without money;

(2) If the parties have money and refuse to return it, they can arrest people, including judicial custody, or be investigated for criminal responsibility for refusing to perform an effective judgment;

5. The people shall, in accordance with legal procedures and according to legally effective documents, specify the specific implementation contents and force civil obligors to complete their obligations, so as to ensure that the rights of obligees can be realized.

Legal basis: Article 678 of the Civil Code of the People's Republic of China

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 214 of the Civil Procedure Law of the People's Republic of China

In a case retried by the people in accordance with the procedure of trial supervision, a legally effective judgment or ruling was made by the first instance, and the trial was conducted in accordance with the procedure of first instance, and the parties concerned may appeal against the judgment or ruling made; A legally effective judgment or ruling was made by the second instance, and it was tried in accordance with the procedure of the second instance. The judgment or ruling made is a legally effective judgment or ruling; If the people at a higher level bring the case for trial in accordance with the procedure of trial supervision, it shall be tried in accordance with the procedure of second instance, and the judgment or ruling made is legally effective.

when trying a retrial case, the people shall form a collegial panel separately.

what should I do if I can't repay the money I owe my credit card?

If I can't repay the money I owe my credit card, I can call the customer service center of the bank's credit card. At this time, I can apply for an extension of repayment, and the general bank will agree, but I may spend some money when I delay repayment. After the bank agrees, it can effectively avoid personal credit deterioration, and it can be repaid on time later.

when individuals are unable to repay, credit cards also provide users with installment repayment or minimum repayment amount. These two repayment methods can effectively reduce the monthly repayment amount, but they need to pay a certain fee. Generally choose the number of installments according to your monthly income.

when using the minimum repayment amount, only 1% of the current bill is generally repaid. Although the repayment amount is reduced, all the credits consumed in this period will bear interest from the date of borrowing. This repayment method will cost more interest, so users should use it carefully to avoid paying more interest.

When an individual can't repay the loan on time, he can borrow money from his friends around him, so as to avoid the situation that he can't repay the loan on time, but he should return it to his friends on time later. This repayment method also avoids the expense of interest, but it can't be used often, otherwise it will arouse the resentment of his friends.

Extended information:

Consequences of inability to repay credit card arrears:

1. If it is only temporarily unpaid, it will only generate interest and late fees.

2. However, if you know that you are unable to repay, you still overdraw the principal by more than 1, yuan, and you still don't repay it for more than 3 months after being twice collected by the bank, it is suspected of malicious overdraft and may be subject to criminal punishment.

what should I do if I owe my credit card money and what should I do if I owe my credit card money? This is the end of our introduction. I wonder if you found the information you need from it?