1. What is the worst result of a credit card?

For credit cards with a large amount, especially 50 thousand or even hundreds of thousands, the worst result will be sentenced to a certain period of imprisonment. Whether criminal responsibility is involved or not is a fact. For malicious dunning, it will be considered as a malicious loan, which will have a great impact on the bank and will eventually be sentenced.

When the amount owed is small and there is still a long way to go before prosecution, it is best to pay it off. This was basically blacklisted by the bank, and eventually it could not be recovered as a bad debt. Although not in prison, travel is a problem. For normal people, even if there are more than 65,438+10,000 people, they can be paid off within a few years through good negotiation.

2. Can't the credit card be negotiated with the bank?

If there is no way to repay the credit card arrears, you can generally negotiate with the bank. When overdue or unable to repay, it is best to take the initiative to explain the situation to the bank and try to handle installment payment or other related business. The earlier the negotiation, the higher the success rate.

In addition, if it is overdue or generates high interest, the overdue time is generally longer. Try to apply for a personalized repayment plan. If you want to apply for installment payment, you usually need special reasons, such as unemployment and serious illness.

3. Won't the credit card bring trouble to the family?

The credit card has never been returned. First of all, personal credit reports have overdue records, causing credit stains. Secondly, based on the whole consumption bill, the daily interest is 0.5%, the compound interest is calculated monthly, and the liquidated damages are calculated monthly. However, whether it is a credit report or a high interest rate, it is the cardholder's own responsibility and has nothing to do with his family.

The overdue personal card will have a little impact on the family, which is reflected in the serious credit stain between husband and wife, the inability to handle credit business such as mortgage loans, the inability of the other party to approve loans, and the inability of one party to sue, and the debt may be judged as a joint debt of husband and wife.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.