IXE 100,000, Citigroup 130,000, Borrow 150,000, Online Business Loan 200,000, Weili Loan 200,000, Ping An Debit Card 200,000, GF Itakin 150,000, all in a few days. It's overdue. I don't want to steal or rob. Just because I borrowed money to cross the bridge, I borrowed 500,000 people and disappeared without writing any IOU. As a result, I also lost my own capital flow and the factory closed down. I can't help it. Steal or rob, gamble or cheat, it’s really a back-up. I owe more than 1 million, half of which was lent to a small school. I have no choice but to prepare to go abroad to work. I found a route and set off around February 10th. I will keep this tone. If you stay still, you will definitely get up again. A man never gives up?

Thanks for the question. Excellent quality, like and follow.

I have a say in issues like this. Because I also came overdue. I used to have a few credit cards on hand. China Merchants Bank of China Construction Bank, etc. There are also many online loans that owe a lot of money. I can't afford it either. Then please read my detailed explanation of how I did it.

At first, it wasn’t much, just a little bit. I thought it would only be a little bit in a month, so it shouldn’t be a problem. Then I went through several big purchases. Slowly, I can't afford to pay it back. Then both credit cards were maxed out. In the future, you can only borrow online loans, and online loans and credit cards will transition to each other. It was really difficult at that time. Phone calls and text messages to collect debts are all over the place, I look for them every day. At that time, I even wanted to die.

This is how I landed. First of all, if you owe an online loan, don’t panic. You must try your best to pay back the money first. If you really can’t afford it, be sure to find a friend or family member to help you pay it off! My friends at that time all owed money and were also struggling with online loans, so I had no choice but to find my family to help me solve this problem. First of all, if you owe too much and cannot pay it back, you can only report your situation to customer service. Saying that you can't afford it is really asking them to reduce the interest for you. There was a sentence that I didn’t know how to say but I forgot about it. Be sure to express to them a strong willingness to repay, otherwise they will not do so. Some people must sincerely want the money back. , it is not a malicious default.

In the end, you must try your best to make money and work. Work hard to pay off all your debts. Hard work is the main thing. Never take out an online loan! Just enough to not touch it without touching it.

Now I am working hard to make money. Now all the online loans have been paid off, and the remaining two credit cards are still being paid off slowly. I should still owe about 18,000 on two credit cards. Now because I am under a lot of pressure and have a family and parents, I think it will take some time to pay back the money. But it’s not a big problem for me, as long as I try my best to make money and work hard. Nothing is a problem.

For example, these are some of my experiences in applying for a credit card and borrowing online loans. Hope this helps everyone.

Applying for a credit card or online loan is a moment of pleasure. The more you do it, the better it gets! !

Thank you everyone!

For bank credit cards that are overdue, and the overdue amount is large and frozen, if the overdue amount is not repaid within a certain period of time, it will affect the personal credit report. If there is a problem of freezing a credit card, first contact the credit card customer service and try to repay the overdue funds, and then gradually repair the personal credit problem. However, you do need to be careful when using bank credit cards. Credit cards themselves involve various credit reports, and poor credit reports will have a lot of impact on individuals, such as future loans for housing, children's education, and even personal problems. Career, etc., may have more or less impact. In addition, try not to borrow private loans, and the impact of this kind of loan is more obvious. If you are not careful, the interest burden will be more obvious, and this will also affect your daily life. If you do not repay it for a long time, you may even lose your money. It will bring a lot of trouble to the family. Therefore, when using bank credit cards, you should always remember important time points such as your billing date and final payment date. Only by paying on time can you better obtain a higher credit limit and effectively protect your personal credit information.

Well, first of all, the original poster, you, Yu Qi, gave me the credit card. Try to pay it back all at once. Because, how should I put it, because Yu Qi Liao already had stains on his credit report.

After you have this stain on your credit, you will not do anything like this in the future.

There is no solution for bank credit business. So, you still find a way to borrow money and pay back all the money. Then cancel this card directly!

Because how to put it, it is impossible for you not to repay that. On the one hand, your credit card itself has compound interest, and the money will be more and more, more and more. Secondly, the bank will sue you through court proceedings. If you fail to pay before filing a lawsuit, you may face jail time.

So no matter what method you think of, you must pay back the money first and then talk about it. This is my suggestion, and please consider it carefully.

Thanks for reading, please pay attention

I found that there are too many examples of people using credit cards. This is all caused by lack of financial knowledge. Credit cards are a combination of two things. If you don't use it well, you will really become a card slave. However, no institution or department has ever taught us how to use credit cards correctly and strictly. They just constantly encourage us to use credit cards to make purchases. In fact, credit cards are not used for consumption, but for money to make money. If you don’t understand, you really shouldn’t use credit cards, otherwise you will only harm yourself. If you want to know more, I can teach you

Because of the epidemic and the accelerated cleanup of P2P, especially this year, many people have this phenomenon. In the past, it was possible to tear down the east wall but not the west wall. This year, it is no longer possible. See In your case, on the one hand, you need to stop borrowing other money to fill this amount. You can confess it to your parents. Don't be afraid, and don't care about face. See if they have the ability to help you. If your family doesn't have the ability, then Only Article 2, you and the bank proactively communicate, according to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability, and the cardholder is still If there is a willingness to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement, which can be divided into up to 60 installments. You need to take the initiative to communicate about this. Sometimes a phone call is not enough. You need to communicate repeatedly, describe the dilemma, express your wishes, and clarify your purpose. Before negotiating with the bank, you must clarify your monthly tolerance range and the expected period. Number, keep the phone open. Third, you must have a normal job. You must have a job. Without a job, you will easily have random thoughts. Having a job guarantees your normal income and life.

No matter what situation you encounter, you must have confidence that you can get through it. The sunshine is always after the storm

My friend, don’t be anxious in this situation. You are overdue for more than 46,000 in the bank. If you pay $1.00, people will definitely freeze your bank card. This is very normal. If you go to the bank to repay the overdue money and pay part of the fine, the bank will unfreeze your bank card. If you don't have money temporarily, you can get a bank loan or property mortgage. Friends, go to the bank for a loan. Even the loan does not cost much, and the loan can be paid off in a few days.

Everyone knows that you can negotiate personalized repayment after your credit card is overdue, and you have tried every means to negotiate for repayment, but I want to tell you not to negotiate blindly for the sake of negotiation, nor to negotiate casually without the ability. Never negotiate when repaying. When a debt is overdue, collectors will often ask you to negotiate repayment. Even we ourselves want to negotiate repayment. There are many people who specialize in debt planning who can also help you negotiate repayment. Negotiating repayment is a very good thing, but if you choose the wrong time, your efforts will be in vain. So when is the right time? First of all, we must have a stable income or sufficient financial support, because after your negotiation is successful, what you have to do is to repay the money. If it is an online loan, it must be a one-time repayment after we negotiate. If it is a credit card, Every month, you must repay the installment principal according to the negotiated plan. After the negotiation is successful, you must not default again, because once you default, your plan will be invalid, and all the money repaid before will be deducted from the penalty interest and liquidated damages, and the loss will be It can be very large, so choose negotiated repayments carefully. You must negotiate when you are capable and can continue to receive stable income, so that you will not be overdue twice, otherwise your work will really be in vain.

There are 8 consequences of being overdue

1. Penalty interest will be incurred, blacklisted 2, high-speed rail flight and train tickets cannot be booked 3, children cannot go to key schools

4. A bad record will be generated, which will affect the application of credit cards and loans in the future. 5. You will not be able to enjoy loan discounts, or even cannot apply for a loan. 6. The bank will issue a lawyer's letter and file a lawsuit in court. The judgment will be enforced. 7 Impact on personal career. 8. Those with serious circumstances will be punished by law.

The solution is to negotiate with the bank first and tell you the reason for the overdue payment. It is not a malicious overdue payment and then pay the money back. If you don’t know more, please contact me. I hope my answer can help you.

First of all, the contact information cannot be cut off, otherwise the bank will think that you are deliberately evading responsibility

Secondly, the bank specialist must answer the call and explain your situation clearly to the bank collection specialist.

Once you don’t answer the phone, the bank will first contact your family. If your family doesn’t care, they will sue you to repay the money.

If you cannot repay in full , even if you repay less every month, it will make the bank feel that you are sincere in fulfilling your repayment obligations

Be sure to answer the phone. You will feel embarrassed if you call your relatives, and all your relatives will know< /p>