What's the matter with the credit card not being credited? These methods can solve it!

If you use a credit card, you must repay it on time. Generally, you can repay it by transferring money, depositing money in an ATM machine, etc. However, some people still can’t pay back the money with their credit card, and they will ask What's the matter with the credit card not being able to pay off the credit card? Today I'll analyze it with you to see what exactly is the reason why you can't repay the credit card.

What's the matter with the credit card not being credited?

There are two main reasons why the credit card is not credited. One is that the repayment card limit is not enough, and the other is that the repayment method is wrong. For example, if you repay by transfer, the bank card used for repayment must have enough money. If the money is not enough, you cannot pay it back. The specific repayment method will be determined according to the status of the card.

If the credit card status is normal, the two repayment methods mentioned above can be used. However, if your credit card is frozen or stopped, you cannot insert the card into an AMT machine to repay. However, you can transfer and repay by yourself through online banking, Alipay, WeChat and other channels, or you can ask others to help you repay.

If the money is still not paid, the biggest reason may be that the credit card has been written off internally, but the credit card debt is still there, but the cardholder himself cannot make repayment and must bring it with him With your valid ID and credit card, go to the counter of any branch of the card-issuing bank to handle the repayment, and ask the teller to transfer the money from your bank card or repay in cash.

The above is the relevant introduction to "What happens if the credit card is not credited with money?" In short, if you encounter a situation where the money cannot be credited to your credit card, you can solve the problem by referring to the methods introduced above. Don't think that you don't have to pay back the money if you have not credited it. You must know that the bank will not take the initiative to clear the account for you. As long as you don't pay it back for one day, you will be fine. The debt will remain there forever, and the cardholder's credit cannot be restored.

Why do some people not pay back their credit cards?

Bank credit card is not the final solution, it is just one of the options. If you go to the bank every time you don't pay, wouldn't it become a bank credit card center? How many people does the bank need to be responsible for the post-loan process?

After the credit card is overdue, the bank will first log the borrower's overdue information into the People's Bank of China Credit Information Center. This is already a very severe punishment. If the arrears problem is not solved in the future, the bank will be selective under different circumstances. So what types of overdue credit card debts will banks not deal with?

1. If the amount of debt owed is small, each bank has different standards, but in generally economically developed areas, it is basically not within 50,000. In areas with average economies, credit card debts generally do not exceed 30,000 yuan. In economically backward areas, credit card debts generally do not exceed 20,000 yuan. It requires a lot of manpower and a certain amount of cost, and the amount is so small that it is not a cost-effective option for banks.

2. Customers with credit card debt who keep in touch and are actively willing to communicate generally do not. As long as they are not out-of-contact customers, can be contacted by the bank's credit card center by phone, verbally willing to communicate, and actively negotiate solutions, the bank will not choose to go. Remember, keeping in touch does not mean that you have the ability to repay. You can still slowly negotiate with the credit card department to negotiate the repayment amount, method and deadline.

3. Although the debt is overdue, a certain amount of debt is still charged to the credit card every month. This expresses a strong willingness to repay the bank's credit card department, and the credit card department will not go to such customers. For example, if you owe tens of thousands of yuan, but still pay 100 or 200 to your credit card every month, if your credit card deducts a little money each period, the system will identify you as a customer who has the ability and intention to repay. .

4. If the debt is overdue for a short period of time, no matter how large the amount is, generally the credit card will not be charged within 6 months of the overdue amount. Because bank credit cards have their own work processes, in the first three months, the bank usually collects the money in-house, and in the next three months, the bank usually asks an outsourcing company to collect the money. A decision will be made later depending on the circumstances.

In fact, when the overdue debt is listed on the People’s Bank of China’s credit report list, the problem will have to be solved sooner or later. Otherwise the impact on credit card holders is huge. Banks are also well aware of this truth, so to a certain extent they will not spend too much money to quickly recover debts.

Remember, maintain communication and contact with the bank, and negotiate with real bank staff. Never communicate with so-called bank outsourced debt collectors or people claiming to be bank lawyers.

That is of no use in reaching the plan, because those outsourced personnel do not have the authority to sign the plan. They will only collect the full amount under the guise of bank personnel. You must have the ability to discern in this regard, and do not be deceived by fake phone calls, fake text messages, fake photos, and fake lawyer letters.

After the credit card debt is overdue, compound interest will be calculated on the monthly bill. Mr. De calculated that the overdue interest is about 18%, and the liquidated damages are about 6% annually. This adds up to The annualized rate is almost 24%, so if the debt is overdue for a long time, you must discuss with the bank to see if part of the interest and liquidated damages can be waived. It must be discussed, otherwise most people will not be able to bear the cost.

There are now professional organizations willing to help credit card debtors solve such problems. The best solution may be to only repay the principal. If necessary, you can send a private message to Mr. De.

I have seen two overwhelming phenomena regarding credit card issues:

1.1. More and more people are unable to pay off their credit cards.

This is not an isolated phenomenon. It is caused by the general environment of the continued economic downturn and is a common phenomenon.

1.2. The consequences of not being able to repay credit cards have been aggravated and demonized, which has increased the psychological burden of many bankrupt people and increased social panic. I know that the economy has been in a severe downturn in the past two years. , the social rate is very high, I think it is necessary to have more positive attitude and methods of solving problems.

What should I do if I go bankrupt and can’t pay off my credit card?

Credit cards are actually understood as credit loans. What should I do if I can’t repay an ordinary loan? Will he just go to jail? The answer is no.

If you can’t afford the loan, what you need is a negotiated solution to the problem. For example, renew the loan or pay it back in installments? If the difficulty is not enough, the bank will not tolerate you for the time being! Can owing money force you to be shot? Speaking of low, it is an economic issue, not a criminal issue.

The best way to survive any financial crisis is to temporarily break the rigid payment system - in layman's terms, that is, if you can't afford it, stop paying it off for the time being, and don't use debt to support debt, because the economic environment is not stable. In good times, there is not enough profitability to cover interest expenses.

On the issue of credit card convictions. Everyone uses it normally, and it is not a crime to use a card that cannot be repaid due to life changes or business failure.

What situation does this belong to?

If you apply for a credit card, but it’s empty the first time, and you don’t pay it back, you belong. The summary is that if a new card is used maliciously and then is not returned, it belongs. If your card has been used regularly for several years, you won’t forget it.

As long as it is not subjectively intended to cash out or intentionally not repay, in principle, it does not count.

It belongs to the economy. In principle, it should not be so heavy on the psychological burden.

I often see questions about non-repayment of credit cards. Many people are proud of their debts and say, "Why should I pay back the money I borrowed based on my ability?" There are also various tips on how to cash out. , how to maliciously overdraft, saying very proudly that he will not pay back, what can you do to me? Then many people attack and say that credit cards are evil, but have you ever thought that credit cards themselves are neutral, just like a knife, you can use it to hurt people or make delicious food.

So I completely disagree with the practice of maliciously owing credit cards, finding various ways to avoid repayment, and being proud of it. I think it is only natural to pay back debts. Although credit cards have interest, the interest ratio is much lower, and it provides us with liquidity support when we need it, whether it is for business or emergencies, so how can it become so evil?

Let’s talk about the issue of non-repayment of credit cards.

Every bank's credit card business actually has risk control, which does not mean that you can just apply for a card. Banks will issue cards based on the user's qualifications, including reviewing income, income stability, and assets, and grant different credit limits. Even if some people apply for a credit card at the bank, the credit limit is actually very low. The starting limit may be only a few thousand. Yuan. The limit will only increase if you use it for a long time and repay it on time.

Then this process is the process of the bank collecting big data. If you have used it for three consecutive years, repaid it on time every month, and never been overdue, it itself shows that you are a reliable person. If you are a creditworthy person, the bank will continue to increase your credit limit. On the other hand, if you cash out as soon as the card is issued and do not repay it, even if you take advantage, the amount will not be too large.

Credit card overdue is definitely inevitable, and there are even some people who never pay it back. For example, those who do business, their credit limit keeps increasing, and then they suddenly use credit card overdrafts for business purposes, and as a result, they fail to manage well and go bankrupt. , you will definitely have no money to repay. In this case, the bank will negotiate with you. In view of your previous good credit, as long as you negotiate a repayment plan with the bank, he will definitely not let you.

For some small-amount credit cards that are overdue, the bank may not be able to contact the person. If it is done, it will consume more human and financial resources than not, so the bank will naturally not choose it. For this type of overdue payment, the bank will hand it over to a collection team or outsource the collection, concentrating countless small overdue items to improve efficiency and reduce costs, just like the collection of telecom phone bills owed when using landline phones.

But don’t think that everything will be fine if you can’t collect. Overdue credit cards will be reported to the People’s Bank of China’s credit reporting system. If you haven’t bought a house yet, you won’t be able to get a mortgage to buy a house in the future. Maybe you don't want to pay back a few hundred or a few thousand yuan, and you won't be able to get a loan when the time comes, and you will complain that everyone is not responding, and that the earth and the earth are not working, and you will be the one crying.

But for malicious overdrafts, you need to be particularly careful. Based on the characteristics of your industry, if it is judged to be a malicious debt and the amount is huge, the bank will take action against you even if it cannot contact you. If it constitutes Not only will you have to repay the loan eventually, but you may also be held criminally liable. Therefore, you still have to do your duty as a human being. Wear as many pants as you want. Don't think that you are the smartest. Banks are all fools. In the end, they are just fooling themselves.

I have 10 years of experience in using credit cards, and the maximum overdue period is 7 years, but I have not been charged. I can summarize the following points. Why do banks not accept overdue credit cards?

Let me talk about my situation first! There are almost 10 banks involved in my credit card, including the four major banks and commercial banks. Because the limits of the four major banks are relatively low, the processing has been completed in the past two years, because the maximum amount is only more than 4,000 yuan. The minimum is only 1,500 yuan. Commercial banks have relatively high quotas, including Everbright Bank, Guangzhou Bank, Minsheng Bank, China Merchants, Communications, Guilin, etc. The total limit is about 150,000, and all of them are overdue. The longest is as long as 7 years, and the shortest is more than 4 years, because the debt has been maintained for a period of time after the outbreak.

With so many banks overdue for so many years, a Guangzhou bank has rejected me, and my reason is also very simple, because the bank’s interest rates have risen to the point in a short period of time, and there is no way to increase them. I negotiated the repayment with him midway, but his attitude was very bad, which often caused me and him to quarrel, which led to him giving me away. However, this period has lasted for 4 years.

Although they were criticized, they did not achieve what they wanted. The liquidated damages and high interest they applied for were not awarded. They were fair and the extra liquidated damages would not be awarded. Support, in the end they only got the principal, I didn’t even pay him the interest, and the credit card account was closed.

Under normal circumstances, banks will not easily target someone, because banks have their own cost budgets. Let me summarize who is easy to be targeted.

1. For a certain customer, when you go to the bank’s collection department, they will collect the money for a period of time, but repeated collections do not have the expected effect, or the other party has been in a kind of situation. If you are in a state of indifference, but you also know that the other party has a fixed job, a fixed income, or knows that the other party has property to enforce, the bank will take measures, including the following situations.

①. The cardholder has a fixed job.

②. Cardholders have fixed monthly social security payments, provident fund, etc.

③. The cardholder’s monthly salary has a fixed tax record.

④. The cardholder has large deposits or insurance policies, including financial products, in other banks.

⑤. The cardholder has a fixed real estate and the car property is in his or her name.

These people will be targeted by the bank, because the bank has carefully verified the person. If the party does not have any property in his name and does not have any ability to repay, even if It is successful and the lawsuit is won. For the bank, it will be meaningless. Even if the other party is listed as a defaulter, it will be meaningless at all, because the bank's customers are not just a few dozen, but a large number. , basically all in batches.

2. People with large amounts of money, that is to say, people with a single credit card limit of more than 50,000 yuan who neither answer the phone nor have any intention to repay after the due date. This kind of person is generally characterized as For credit card crimes, you will be held legally responsible. Banks will usually tell the cardholders about this powerful relationship after a long period of collection.

3. People who debug the bank, that is to say, after they have used up all the credit card limits, and then start to overdue, they use teasing methods to pay back a few yuan, twenty or thirty yuan every month to provoke the bank. Rights, this kind of people will be regarded as the primary personnel by the bank, because the bank will think that it has the ability to repay the loan, but it does not repay the loan. This kind of people are the most vulnerable to being defrauded.

Then why are some people overdue but not arrested?

①. The overdue time is too short. For the bank, he still has the ability to collect it, but it has not reached the necessary stage.

②. The amount is too small and requires manpower and material costs. Even if it succeeds, you may not be able to get the money after implementation, because you can’t pay back such a small amount, and you will definitely have no money. If the other party fails to repay the loan, you will still have to pay in advance, attorney fees, execution fees, etc.

③. The bank is not the only way, because after that, there are many corresponding fees but you cannot get it. You can only get legal interest, which is high cost and low return. Using debt collectors to collect debt is low cost. , the more money you get, and the interest continues to increase during this process. As long as you pay back a little every month, it will be regarded as interest, and the bank will also make a profit.

So saying you owe a credit card does not mean that you are not being charged, but that it has not reached a certain level. In addition, others have not found out that you have any property. Once they find out that you have property, others will It will kill you, so it is best to negotiate with the bank to repay as much as possible before being charged.

This question is interesting.

It’s like asking why some people can eat ten steamed buns in one meal, why some people can drink three bottles of 53% liquor without getting drunk, and why some people can become billionaires.

First of all, whether the credit card is still there or not is a matter for the bank. Banks issue so many credit cards, and a large number of them are not repaid. But there are many reasons for non-repayment, and banks also have some choices. If every credit card is not paid back, then the bank will not have to do anything and will be litigated every day. Although the proportion of credit cards is still very low, because of the large number of users who do not repay their credit cards, there are definitely a lot of users who do not repay their credit cards. In this way, banks will not buy every user who does not repay their credit cards.

Some credit cards are not repaid because they have good credit in the early stage and temporarily have no money, resulting in a temporary suspension. In this case, the bank will definitely not immediately, but will observe it.

Some credit cards are not repaid because of difficulties, but there is no break. That is, I originally had to repay 20,000 per month, but I don’t have that much money, so I can only repay 2,000 per month and maintain the repayment. Record. Neither do these banks.

There are also some credit cards that are not repaid, which are not representative, the amount is not large, and the time is short. The bank believes that they will be repaid in the future, so this will not happen.

Including some credit cards that are not repaid because the time is relatively short, so the bank will be patient and send notices to customers to repay until the bank can't bear it anymore.

Of course, bank credit card users are also very cautious. Most of them will have a reminder notice before. After all, every credit card issued, the bank hopes to be well used, so that the bank can generate good profits. For credit card users, try not to do it. Maybe one day the customer will have money and pay it back, and then the interest and principal will be collected together. Customers also become long-term credit card users.

There are also some credit cards that are not repaid, sometimes because the number is not large and the customer has forgotten it. Then when the bank was sorting out the credit card situation at a certain stage, it was discovered that the debt had been owed for a long time, so it was dismissed.

Most of the users who were detained because of non-payment of credit cards were users who had long-term non-payment of debt and were urged by the bank to repay. On the one hand, the bank is collecting debts; on the other hand, it also has the function of killing chickens and frightening monkeys. This part is a bit similar to bad debts. Banks are also playing dates in the yard, with no balance at all.

In short, it is better to pay back your credit card debt as soon as possible. There are special reasons why some people refuse to return their credit cards. Just because others have had such experiences, you can't think that you don't have to pay it back. You will eventually have to pay it back. If you have money and don’t want to pay it back, it will affect your financial credit.

China’s legal litigation principle follows: whoever files a lawsuit must provide evidence. It depends on how the bank goes about it, whether it is civil or criminal (there are two crimes in credit card crimes, 1 credit card crime and 2 malicious overdraft). The bank also has to provide evidence. But the reason for the bank is simply to ask you to pay back the money.

There is a legal loophole in credit card lawsuits. This is that many people who owe credit cards have clearly been overdue for a long time, so why haven’t they? That is the issue of use date. From the perspective of credit card collection, if the credit card has not expired, the financial institution's litigation power is very small, because the debtor can request mediation on the grounds that the use agreement between the two parties has not expired, and that is It's not good to interfere too much.

In short, you cannot escape from owing the bank. It’s not that you don’t, it’s just that you haven’t yet.

So what will the bank do in that case? 1; This is only a preliminary judgment based on the cardholder’s amount of money and the cardholder’s overdue time. 2: Based on the cardholder’s attitude after overdue payment, let the creditor institution know whether there has been evidence of non-repayment after overdue payment, whether the cardholder deliberately avoids collection and does not answer calls, and whether there is evidence of intentional non-payment of money. 3: Whether the credit card's expiration date has expired, the cardholder should be notified once, pending further negotiation. 4: Because the bank is a large institution, the cardholder has to provide a lot of evidence, and it also wastes manpower and material resources. It is not something you can do alone, it can be done in batches.

Hello everyone! I am "Borrowing Skills". As a bank practitioner and the author of the book "Playing with Credit Cards: How the God of Cards Was Made", I focus on answering questions about bank credit cards, loans, deposits, insurance, financial management, etc.

First of all, we need to make three points clear: 1. Not all cardholders with overdue credit cards will be fined by the bank; 2. Bank cardholders have boundaries; 3. Avoid being fined by the bank. Skill. Below, I will give you the detailed answer:

1. Banks have a set of regulations for collecting credit card debts

Due to cost considerations, banks do not treat credit card holders with overdue debts. All resort to judicial means. Generally speaking, for overdue credit card holders, banks usually ask their staff to make phone calls first. If there is no effect, they will selectively go to the door to collect the money. After the door-to-door collection fails to achieve the expected purpose, they will then go to some companies with larger arrears. cardholder.

2. Which cardholders will be deducted

What kind of cardholders will be deducted by the bank is determined by the amount of overdue debt, the overdue time and the behavior of the cardholder.

First, cardholders with large overdue amounts (for example, more than 100,000 yuan) will be fined; second, cardholders with small overdue amounts but long overdue periods (for example, more than 180 days) will be fined. The third is a cardholder who does not cooperate with the bank. For example, when the bank hangs up the phone on him, he either does not answer the phone or his attitude is extremely unfriendly.

3. Ways to avoid being rejected by the bank

First, after your credit card expires, you should proactively go to the bank or call the bank’s credit card customer service to explain the situation and let the bank staff analyze your situation. Have some understanding. Second, for long-term overdue loans, you should try your best to repay hundreds or thousands of yuan every month to show your willingness to repay. Third, when the bank’s collection is very tight, take the initiative to negotiate a repayment plan with the bank, and find a way to repay the “earnest money” (i.e., the minimum payment required for installment repayment), so that the bank does not feel that there is any hope of successful collection. .

Friendly reminder: People now stipulate that only credit card holders whose overdue principal exceeds 50,000 will be held criminally responsible.

Finally, friends, please have fun using your card, and your economic life will be better and better!

To be honest, banks don’t want those who don’t repay their debts. It is just a last resort. To put it bluntly, it is a means rather than an end.

Credit cards used by young people are now very common. However, many young people have limited income, so sometimes they are unable to repay their credit cards after being overdrawn, resulting in overdue repayments.

For credit card non-payment, the bank will definitely collect money, but different users may encounter different collection methods after they owe credit cards. For example, some people may only receive text message notifications from the bank. And phone collections, while someone may be to the bank.

Seeing this, many people are probably wondering. They also owe money to banks and credit cards. Why do some people get paid when they owe money, while others have nothing to do?

To answer this question, we need to understand the basic ideas of bank collection.

For banks, they have a lot of credit card users. For example, the six major state-owned banks and 12 joint-stock banks have tens of millions or even hundreds of millions of users. For example, For such a huge user group, even if only 1% of them are overdue, there are nearly 1 million people.

Facing such a huge user group, if the bank arrives after every user is overdue, the bank will definitely be overwhelmed. On the one hand, the bank does not have so much energy.

On the other hand, banks don’t have that much money. After all, users are not casual, but have to pay attorney fees and litigation fees. If the bank takes the user’s money and the user still doesn’t pay it back, then this part The bank has to pay the fees itself, which poses a relatively high potential risk to the bank.

After all, according to the current legal provisions of our country, only users who have malicious overdrafts on their credit cards and the overdraft amount is more than 50,000 yuan may face criminal liability. This means that if the user’s malicious credit card overdraft balance is less than 5 Ten thousand yuan, even if the bank takes the user, the user will not face the risk of going to jail if he does not pay it back. At most, he will be included in the list of dishonest persons subject to execution.

Because of this, not all users who are overdue will be sent to the bank. Under normal circumstances, the bank will not reach those users whose overdue time is relatively short or the overdue amount is relatively small.

Banks generally follow the following procedures during the credit card collection process.

1. If a user's credit card is overdue within one month, the bank will mainly remind the user to pay back the money in time through SMS notifications and system notifications.

2. If the user's credit card is overdue between one month and three months, the bank will cooperate with text message notifications and phone collection methods. If the user's overdue amount is relatively large, the bank may also have a special The staff came to collect the goods.

3. The user’s credit card is overdue between three months and six months. This situation is serious for the bank. At this time, in addition to taking daily collection methods, the bank may also Entrust third-party collection companies to collect, and these third-party collection companies may use various methods in the collection process.

4. If the user's credit card is overdue for more than 6 months, it depends on the credit limit. The measures taken by the bank are different for different debt limits.

If the user's overdue amount is relatively small, for example, less than 10,000 yuan, the bank will consider itself unlucky and include the user's money as bad debt. If the bad debt exceeds one year, the bank will only It can be written off as a loss, but after the write-off, the user's debt record will still exist, and the bank may continue to collect debts from the user in the future.

If the user's overdue amount is relatively large, for example, the overdue amount is more than 10,000 yuan, the bank may refer the user to the bank. However, after my country has revised the amount of malicious overdrafts on credit cards, many banks It is possible that the user will be overdue for more than 50,000 yuan.

As people’s concept of advanced consumption becomes stronger and stronger, more and more people use credit; at the same time, banks see the huge profit temptation in the credit card market, and the threshold for issuing and reviewing credit cards is getting lower and lower. As a result, many people who have not yet understood the nature of credit cards use their cards indiscriminately and fail to correctly assess risks. Eventually, more and more people overdue their credit cards and default on their credit cards.

Currently, credit cards have accounted for a large proportion of non-performing assets for banks. There are actually many reasons why those who do not repay their credit cards have not been repaid.

01

The first way banks treat people who fail to repay their credit cards is to negotiate a settlement

Debts formed by using credit are civil. For civil purposes, Solving the problem through independent negotiation is one of the best ways.

So when a user defaults on his or her credit card, the bank will first communicate with the user over the phone for collection. This procedure is usually carried out by collection customer service staff.

Through negotiation, an agreement can be reached quickly. Whether it is interest exemption or installment payment plan, as long as it is finally accepted by both parties, the performance procedure can be quickly entered, which can solve the problem conveniently.

02

If the solution through negotiation still does not work, most banks will choose to issue a demand letter for collection

The credit card user is lazy to fulfill his repayment obligations. Bank customer service is of no use in collecting debt. Generally, such problematic repayer information will be reported to the non-performing asset disposal department. In some banks, the legal and compliance department will handle it.

These professionals who are engaged in legal services will make professional reminder letters. Of course, some banks will entrust lawyers to prepare and issue lawyer reminder letters, which are of similar nature.

Dunning letters will generally be sent to the contact address filled in when applying for the card, to prove that the card user can indeed receive the reminder notice.

03

After going through the above two procedures, the bank is still not sure

The above measures are useless. The bank’s non-performing asset disposal department will generally Create a centralized table and sort out the credit card information that has problems in the past six months or a year. For banks, credit card defaults are only a small amount of loan defaults. For example, the loans of large companies are billions of defaults.

For small-amount credit card breaches, after a batch of records is made, we will carefully evaluate whether it is worth resorting to litigation to recover the debt. Generally, we will not proceed with small amounts, and in the end it will be enough to collect the debt. cost.

Therefore, a batch of lists will be selected for processing, and some worthless or difficult-to-recover items will be directly packaged and sold to third-party debt collection companies for processing.

Conclusion

This is the reason why many people find it strange that their credit cards have not been repaid after half a year or even a year. It is all because the bank is using other means to process them. When these When all methods fail, banks will usually take legal action to recover from valuable customers.

So, if you don’t repay your credit card, it’s not that you don’t sue, it’s just that the time has not come yet. This debt cannot be avoided, and it will seriously affect your personal credit score. In the current credit-based society, the negative consequences will be more serious. It may be difficult to move forward in the future.

Are there many people who fail to pay off their credit cards overdue? Their intestines turned green after they overdue their payment

With the continuous popularity of credit cards, more and more people have the habit of swiping credit cards for consumption. Among these people, some people use their credit cards and don’t want to repay them. They want to know if there are many people who have overdue credit cards and don’t pay them back. If so, they don’t have to pay them back. Below, let me introduce the relevant situation to you.

There are still quite a few people who fail to pay off their credit cards overdue.

According to the "Overall Operation of the Payment System in the Third Quarter of 2018" data released by the central bank, the total outstanding credit card credit card overdue for six months reached 100 million yuan, a month-on-month increase. In 2010, this figure was only 100 million yuan. . In eight years, it has increased more than 11 times, which shows especially the large number of overdue people and the huge amount of money.

Some people may say that since so many people are overdue, then I won’t pay it back at all. Anyway, one more person is not too much. If you also have this idea, or have already planned to put it into practice, it is best to clearly understand the consequences of an overdue credit card before making a decision.

The consequences of not paying back the credit card overdue are as follows:

1. Credit stains

After the credit card is overdue, the bank will report the cardholder’s overdue behavior to The central bank's credit report will produce a bad credit record. Once the credit is stained, future credit card and loan applications will be affected.

2. Collection by the bank

After the credit card is overdue, the bank will collect it through text messages, phone calls, etc., or even