1. Overdue credit card:
Call the card-issuing bank as soon as possible and inform the reason why you cannot repay in time. If it is caused by objective reasons, as long as it is not maliciously overdue, the bank will It can be handled flexibly. Generally, if it is not more than 3 days overdue, it will not be reported to the credit report.
Be sure to answer calls from bank customer service. Generally speaking, even if you don't call the bank after the due date, the bank will come to you. If the overdue amount is relatively large and there is really no way to pay it off in full, you can tell the bank what is the reason for not having enough funds to repay it temporarily, and say that you will pay it off bit by bit. Generally, the bank will not make it too difficult for you. . But one thing you need to remember is, don’t think that you don’t have to pay back the money you owe to the bank. Credit cards are protected by criminal law.
If you are not very sure, don’t take out an online loan to repay your credit card.
2. Online loans are overdue.
After online loans are overdue, it is best not to use loans to finance loans or tear down the east wall to pay for the west wall. This will make the situation deeper and deeper, resulting in overdue amounts. getting bigger and bigger.
If you are unable to repay on time due to sudden unemployment, sudden illness, etc., you can explain your financial situation before the repayment deadline and explain that you do not intend to default, and you can apply for an appropriate extension. Repayment and interest discounts.
If you forget the repayment time due to carelessness, you must pay it off in full as soon as you find it is overdue.
Work hard to make money and spend rationally. When a loan is overdue, in the final analysis, consumption exceeds the ability to make money, so you should still work hard to earn money and consume appropriately in advance within your ability. This is the fundamental way to solve overdue loans.
If the loan is overdue, some will go to the central bank for credit reporting, while others will go to hundreds of banks for credit reporting. To check the central bank's credit report, you have to go to the People's Bank of China to print a credit report. To check the credit report of Baixin, you need to check it on Yingxinkuai. You can also check various information such as personal credit comprehensive scores.
Extended information:
What will happen if the credit card or online loan is not repaid?
1. Bear high overdue fees. For overdue fees, different online loan platforms have different names and charging standards. Whether it’s called overdue penalty interest, overdue management, or other various names, the charging standards are very high. Therefore, if you are able to repay your loan on time, do not overdue it.
2. Accept the platform’s fancy debt collection.
3. The People’s Bank of China’s credit reporting system is tainted. At present, most online loan platforms have not yet connected to the People’s Bank of China’s credit reporting system, but access to the People’s Bank of China’s credit reporting system has become an inevitable trend. In the future, overdue loans on online loan platforms will be recorded in the People's Bank of China's credit reporting system just like overdue bank loans and credit cards, causing credit stains. If the previous consequences were just a loss of face, then the stain on your credit report will affect your real life. If you want to buy a house, you won’t be able to get a loan, if you want to buy a car, you won’t be able to get a mortgage, etc.
4. If the defendant goes to court and the loan is overdue for a long time or deliberately fails to repay the loan, and the amount exceeds 2,000, it can constitute a crime of fraud and there is a risk of being taken to court by the online loan platform. Once the court rules in favor of the online lending platform, the borrower will not only have to pay the required repayment, but also have to pay both parties' litigation costs and huge fines, and may even face jail time.