1. What should I do if my credit card is not paid after I go to prison?

I can entrust someone else to handle it. The debtor can't be exempted from the responsibility of credit card because he is suspected of committing a crime and his personal freedom is restricted. The bank has the right to sue. It is recommended that the parties actively communicate with the bank or contact family and friends to handle it on their behalf, otherwise it may constitute credit card fraud. The overdue repayment of credit card will be pursued by the bank, and the court will put it on the list of untrustworthy people. After being released from prison or released from custody, the bank will demand compulsory execution, and the court will freeze the person's property.

the consequences of overdue repayment of credit cards are serious, so overdraft consumption should be moderate. Although the biggest feature of credit card is its overdraft function, it actually constitutes a loan relationship between customers and banks. Failure to repay the loan at maturity may not only cause legal disputes, but also bear high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.

second, what are the consequences of not paying back the credit card

1. High interest and late payment fee

If the credit card is not repaid, the cardholder will no longer enjoy the interest-free period of the credit card, and will charge five ten thousandths of interest every day from the day of consumption, and calculate compound interest monthly. If tens of thousands of yuan are owed in less than a few days, it will generate thousands of yuan of interest, and the longer the time, the higher the interest.

if the credit card is not repaid in time after the interest-free period, the bank will charge the cardholder a late payment fee, accounting for 5% of the unpaid part of the minimum repayment amount, and the bank will charge the cardholder a higher penalty interest after a certain period of time.

2. Personal credit stain

As long as you have applied for a credit card or a loan, you will know how important your personal credit record is. Once your credit record is stained, it will be very difficult to apply for a credit card. This is not the most troublesome thing. The worst thing is that if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate, which is higher than others'. If it is overdue, the bank will not lend.

3. The credit card is stopped

If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder and the credit card will be stopped. For those who have been in arrears for many times or have been in arrears for a long time, the bank will think that the cardholder has a high repayment risk, and will stop using the credit card and recover the debt from the cardholder. If the bank still fails to pay back the credit card debt, the bank may apply for auctioning the cardholder's other fixed assets.

if you can't repay the credit card debt after going to prison, you can entrust your family to repay it on your behalf, and you need to sign an entrustment agreement. If the credit card is overdue, it will generate high interest, and there will be a late fee. The overdue record will be recorded in the personal credit report, which will affect the credit of the cardholder. If the credit card is not returned for many times, the bank will stop the cardholder from using the credit card and recover the arrears from the cardholder. In serious cases, the fixed assets of the cardholder will be auctioned.