If someone adds you on WeChat and says if you don’t repay the money within 24 hours, they will upload your information and file a lawsuit. This is all a lie. Generally, the debt collection company will call you to inform you about submitting information. The appeal is just to scare you. However, since you owe money, you should pay it back on time. It is not good for anyone to keep delaying it. Credit card loans refer to banks granting a certain amount of money based on the credit card holder’s credit status, and the card holder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.

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1. Are credit cards usury?

No, credit cards are not usury. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit, while loan sharks are loans with high interest rates and are usually private loans. They are two completely different concepts. Even from the perspective of interest, credit cards generally calculate interest at an interest rate of 0.05 per day when cash is withdrawn or overdue. When converted into an annual interest rate, it is only 18, which is far lower than 36.

2. Will the credit card be automatically deducted?

① There are many credit card repayment methods, including but not limited to online banking, third-party payment platforms, ATM machine repayments, etc., if If you are afraid of forgetting the repayment time, you can activate the automatic repayment function of your credit card to repay the loan.

②After the credit card is associated with automatic repayment, the corresponding repayment amount will be deducted from the savings card and paid back to the credit card in the early morning of the next day starting from the next bill (all bank credit cards are It is during this period that the money will be automatically deducted from the bound savings card). As long as there is sufficient current balance on the savings card associated with the credit card automatic repayment business on the repayment date, the payment can be successfully deducted in the early morning of the next day.

③ If the savings card has no current balance or insufficient current balance, you will receive a text message reminder that the deduction failed on the day or the next day when the automatic deduction fails. There is money in the credit card, and it will not be until the repayment period. Automatic repayment.

3. Will credit cards affect the home loan?

As long as the credit card is used normally and repaid on time, it will not have any impact on the home loan. However, if the borrower becomes overdue during the use of the credit card, it will affect the borrower's credit score. Individuals with poor credit score information will not be able to apply for a home loan.

4. How long will it take before you call your family if your credit card is overdue?

If your credit card is overdue for more than one month, you will call your family. After the credit card is overdue, if the credit card is overdue for more than 7 days, the bank will call the cardholder to collect payment from the cardholder. Under normal circumstances, it will only call the cardholder. If there is no result in the collection of repayment, the bank will call the family members and ask the family members to inform the cardholder to repay, or even ask for help in repayment.