Legal analysis: Credit cards must be repaid in time. If you really have no money, you can pay the minimum amount first. If you still have no money, it is recommended to ask your family for help. If the credit card fails to repay in time, it will bear legal responsibility. First of all, it will generate high overdue interest. Secondly, you will be caught by the bank, and you will have economic losses such as legal fees and attorney fees. Moreover, individuals will have bad credit records, which will have an impact on future bank cards and loans.
Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) implements the credit card under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
What if the credit card has no money to pay back?
1. All credit cards should have a minimum repayment amount. Pay that back first, and the bank will not take legal action against you, nor will it affect your future credit! ! Don't take any chances. The easiest way is to borrow some from your friends and relatives. If there are not many friends who can borrow some, ask the boss to take your salary first and supply it to the bank first. But personally, Bian Xiao thinks it's better not to let the boss return the credit card first, which will have a bad influence in front of the boss and may affect his future promotion and development. 3. Summarize the credit card consumption by yourself every month and control the expenditure reasonably. For example, how much was spent and where it was spent. Finally, I have my own impression when I return my credit card. In order to repay the credit card, take out all the ways to make money and return it to the bank as soon as possible. The way to make money here refers to the way from formal channels. Never do anything illegal to return the credit card, which will bring more harm to yourself. Nobody really borrows it. If there are multiple credit cards, you can take another credit card for emergency, and then return the money to the credit card that is in urgent need of repayment for a turnover. But remember, after repayment, you must make up the bill of the removed money quickly to avoid the cycle of overdue repayment.
What if the credit card can't be repaid?
Unable to repay the credit card, the correct solution is to apply to the bank for a stop payment account. After applying for suspension of payment, users can repay overdue debts in installments, and no overdue interest will be generated in the later period, which is beneficial for users to pay off overdue debts. However, the user failed to apply for stopping payment, so he could only borrow money from relatives and friends around him and pay off the overdue credit card as soon as possible.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card overdue solution:
As a credit card holder, once he can't repay the loan on time due to unemployment, illness or other accidents, the cardholder had better take the initiative to call the bank credit card center to make a statement before the deadline for repayment comes.
Your own financial situation, declare that you have no malicious default, and apply for deferred repayment and interest concessions.
In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties.
In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center and declare the non-malicious arrears. If the previous record is good,
And the overdue time is short, and it is found that the repayment situation after the overdue is good, which may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.
What if the credit card runs out of money?
Legal analysis: Credit cards must be repaid in time. If you really have no money, you can pay the minimum amount first. If you still have no money, it is recommended to ask your family for help. If the credit card fails to repay in time, it will bear legal responsibility. First of all, it will generate high overdue interest. Secondly, you will be caught by the bank, and you will have economic losses such as legal fees and attorney fees. Moreover, individuals will have bad credit records, which will have an impact on future bank cards and loans.
Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) implements the credit card under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
This is the end of the introduction about how to repay the credit card without money and how to repay the credit card without money. I wonder if you have found the information you need?