1. How to check the details of credit card arrears

1. Pocket life inquiry: Click "My → Audit repayment" in the lower right corner, and click "Check bill" in the personal consumption card account column to enter, and then you can choose to view: current bill, outstanding bill and historical bill. Generally, this kind of inquiry is relatively accurate. If in doubt, you can contact the credit card customer service for manual verification.

2. Mobile banking inquiry: All major banks basically have their own mobile banking, and you can directly click "My → All → Credit Card → Bill" to inquire. Click the corresponding month or "Unbilled Bill" to view the specific detailed records. Or directly call the customer service of the bank that handles the credit card, and provide relevant information for the bank to help inquire after the transfer of labor.

second, how much credit card debt will be prosecuted

generally, credit card debt of more than 1, yuan can be filed for prosecution. After all, it costs money to sue banks. For hundreds of thousands of debts, the authority of the law will not be used. Moreover, in the early stage of overdue, within 1-3 months, it is mainly based on collection. Only those who are overdue for more than three months in a row and owe more money can sue.

In addition, prosecution is not the overdue end point. For those who maliciously overdraw a credit card of more than 5, yuan, the cardholder aims at illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, they are suspected of credit card fraud, and can be investigated and investigated for criminal responsibility. If you can't pay back the money, it's best to negotiate with the bank as soon as possible.

Third, what should I do if the credit card is overdue?

If the credit card is unable to repay, first consider communicating with your family to repay. When the debt is not very large, you can borrow money from friends and relatives, at least without paying a certain interest or handling fee. If no one really helps, you can contact the bank to try to negotiate repayment. The bank has a policy of stopping interest and paying off accounts, which can be paid off in five years at the longest.

However, it is difficult to apply for suspension of interest payments. If the cardholder is unable to repay due to special reasons such as unemployment and illness, it can effectively improve the probability of negotiation with the corresponding proof of difficulty. If you can't come up with relevant certificates, it may be difficult to negotiate.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.