1. What if the credit card still owes 2,000 yuan?

After the credit card is overdue, we need to pay off the debt as soon as possible. If the cardholder is temporarily unable to repay, then we can do this:

1. Actively cooperate with banks. After the credit card is overdue, the bank will generally collect it. We should actively cooperate with banks and pay attention to answering bank collection calls. Under the strict supervision of the state, there are few violent collections, so don't deliberately refuse to answer the phone for fear of violent collections, which may be considered as malicious overdraft by banks. If the overdue amount reaches 50,000 yuan, and the cardholder is deemed as malicious overdraft, then he may bear criminal responsibility. Therefore, after the credit card is overdue, it is recommended to actively cooperate with the bank for collection, inform the bank of the reasons why you are temporarily unable to repay, and indicate your willingness to repay, and see if you can apply for negotiation repayment.

Credit card users can pay back a little more or less every month. As long as credit card users have repayment behavior, they can avoid being considered as malicious overdraft by banks. Moreover, if the cardholder has repayment behavior, the bank will not easily sue the overdue users, and pay a little more or less every month, which can let the bank see that we have the willingness to repay the arrears.

3. Try to apply to the bank for negotiated repayment. If you can't repay in full temporarily, you can apply for installment or deferred repayment. When negotiating repayment, you should pay attention to explaining the reasons for your overdue and show your willingness to repay, so that you can have a chance to apply successfully. If the bank agrees to negotiate, you can repay the loan as agreed after negotiation.

4. Try every means to turn around and pay it off at one time. If the credit card is overdue, there will be interest charges. If the overdue debt is not paid off for one day, it will generate one day's interest expense. So in this case, it is suggested that you can borrow money from friends and relatives around you to pay off the debt at one time, and then pay it back to friends and relatives slowly.

2. What are the legal responsibilities for overdue repayment?

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

The parties may make an agreement on the issue of overdue interest in the contract, which may be an agreement between natural persons on whether to charge overdue interest or how much interest rate to charge, or the determination of overdue interest rate between financial institutions and borrowers within the scope prescribed by the state.

If the overdue interest rate is not stipulated in the loan contract of a financial institution, the financial institution may charge the borrower overdue interest at the interest rate stipulated by the relevant state.

At present, in practice, financial institutions deal with overdue loans in accordance with the relevant provisions of the People's Bank of China, that is, financial institutions charge interest to borrowers within the range of four to six ten thousandths of the daily interest rate.

If the credit card is not repaid, the cardholder can take the initiative to contact the issuing bank, explain the reasons for not being able to repay, and apply to the bank for an extension or deferred repayment. If the credit card is overdue, it will have an impact on personal life. The cardholder needs to pay overdue penalty interest and the bank needs to continue to collect it, which will affect personal life.