This is a coordinated gesture proposed by the bank for door-to-door collection or the bank. You should respond with the right attitude. However, owing money to the bank is not a good thing. It is suggested that the subject pay off the debt quickly. Customers who can't pay their debts for the time being can also take the initiative to call customer service to negotiate and see if they can apply for an extension. If you don't pay it back, it will be very troublesome to do anything through the bank in the future.

I. Impact of overdue credit cards:

First, late payment will affect personal credit. If a lender borrows money from a bank and fails to repay it within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue person should be psychologically prepared and strive to pay off the money at the first time before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be sued by financial institutions. After the lawsuit is accepted, the assets of the lender may be sealed up after the court pronounced a sentence. This is the "repayment reward" that the lender must implement, otherwise the court will seal up the property and other assets under your name according to law and repay the arrears with the proceeds from the auction.

Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the court will also investigate the criminal responsibility of the borrower according to the circumstances, and even go to jail if the circumstances are serious.

Second, the use of credit cards matters needing attention

1, repayment on time:

When you use up your credit card, you must remember to repay it on time. Once overdue, it will not only produce bad credit records, but also charge overdue penalty interest.

2. Don't swipe your card too often:

Some people use credit cards frequently, and the interval between swiping cards is short, which is easy to be controlled by banks.

3. Diversified consumption:

When cardholders use credit cards to spend money, they should be diversified and not confined to one place. They can swipe their cards in hotels, restaurants, shopping malls and other places. If you spend money in one place all the time, banks will feel that cardholders have no spending power and reduce credit cards.