1 I can tell you clearly that nothing will happen, absolutely not. Of course, I say this on the premise that from tomorrow, even if you only have 50 yuan or 10 yuan, you should save a little, because you only have this little ability, and it's in your meal money. Because you are unemployed or have a low income, your repayment ability is really limited. Of course, if you are allowed to have $65,438+00 and $20 on hand at any time every month, you should deposit them. No matter how long it takes you to collect the debt, no matter whether you don't mean it or not, just listen. Don't frighten yourself to collapse because of these, or even have suicidal thoughts. Secondly, the credit records of four months are basically bad, so there is no need to entangle any credit records. Instead, I will try to increase my income and pay back the money. I will pay back the rest of the money at any time, even if it is far from the minimum repayment amount. It usually takes half a year to 65,438+0 years to sort out a group of people with bad attitudes or laziness as examples to sue, not because you sue alone and you can't escape if you can answer the dunning call. And every time you have to tell them clearly what you are doing now or how much you earn a day and a month, and how much you can get back without the food, there is no need to say anything else, and don't scold them or say in anger that you don't pay them back. Even if they scold you for swearing or something, you can keep silent when they fart, but remember to record your conversation with them at this time. If you are diligent, or they threaten to harass your family, which seriously affects your work and life, then take some time to upload the recording online every day, and then call their customer service. Of course, if you can bear it in the early stage, you can save it well after each recording, which is always useful. Many people's answers are mostly to advise you or remind you how bad your credit history is, but most of them are not good if they are overdue for more than 3 months. So it is no longer the scope of consideration, but how to pay back the money as soon as possible, because even if the dunning doesn't rush you, all kinds of interest late fees are soaring. The longer you wait, the more money you have to pay back. If you can't exaggerate your income well, it will be difficult to pay it off all your life. This is the biggest loss. Most dunning calls are not that kind. From their point of view, each of them has a lot of cardholders to catch up with, and many can't be contacted. There is still a part of Laolai River that can't be brought back, which is almost equal to dormant account. We are cardholders whose dunning bills outsourced by the bank are just three or four months overdue. As long as they can get in touch, getting a commission from you is their only hope. I'll do everything I can to get a commission from you. You see, they have at least 30% commission on a list. Of course, some companies won't give that much commission. Have a little conscience. Many social idlers never listen to what you say when they call you. They either make a hullabaloo about, or swear, satirize, threaten to insult and attack. I just want to say that if those people don't accumulate some virtue in their mouths and have their own parents, wives and children, there will always be retribution. Don't worry so much. It's natural to pay back debts. Don't lose your temper if you can communicate with the debt collector. Try to negotiate or clarify your own situation, even one month 10 yuan, not to prove sincerity or insincerity, but to repay according to your repayment ability. No matter how much money you want to repay before a certain date and time, you just need to state or explain to him how much money you have in your hand or how much money you have in your bank account. I can return it tomorrow without eating 10 or 100. Just tell him it's okay, instead of hanging up on him, it will only say that you broke your word or broke your word. Remember to record the call, and there is a recording prompt when the phone calls. Don't forget to record every click, and then make any mistakes. Don't go to extremes at any time or you won't think of suicide. Many stressful collapses will have this idea, but as long as they are alive, there is hope. Parents, family members, friends, colleagues, wives and children will ask themselves if they are really willing to give up, so we should try our best to find more sources of income and strive to pay it off as soon as possible. Moreover, if the time really drags on for a long time, you still have a chance to negotiate a statement at this time. In short, the bank wants money, not to send you to jail. Even if they give you a longer installment, they won't choose to send you to prison, but only if the bank can't judge you as a group of people who refuse to pay back the money. On the contrary, those who say that they are lawyers today and that they are public ammonium the day after tomorrow will send text messages saying that the economic investigation team of the police station has filed a case. These people are the people that most debtors need to take time to deal with. Listen to the phone. At present, I don't want to confront them. I tried to adjust my mentality, earn my money back, and then cancel my card. Just say goodbye to my credit card forever. People die, money is paying off debts, and there is always a way to get out slowly.