1. What to do if the credit loan cannot be repaid
How to deal with it:
1. If the credit loans overdue has not been repaid, you should communicate with the loan platform in time to inform you of the temporary inability to repay, and see if you can apply for the minimum repayment or postpone the repayment. If you can't apply, the borrower can only find ways to raise money to repay it as soon as possible.
2. Confess to your family, seek help from your family and try to raise money for repayment. Although you may be complained by your family, it is worthwhile to be blamed if you can avoid loans overdue.
3. Mortgaging or selling the assets in your own name to repay the credit loan.
2. What should I do if my credit card is sued for overdue?
1. If the cardholder is sued for overdue credit card, it indicates that the overdue degree is serious. At this time, the cardholder had better negotiate with the bank immediately.
2. The purpose of bank prosecution is to recover the arrears, so if the cardholder can repay in time, the bank will generally withdraw the lawsuit. If you do encounter actual economic difficulties, you can also try to negotiate with the bank to repay by installments.
3. Don't wait for the bank to call, but take the initiative to call the bank to communicate, show a sincere attitude, explain that you didn't intentionally overdue, clarify your financial situation, liabilities and income, and express your willingness to repay. It is best if the cardholder can pay off the debt in one lump sum, but if it cannot be paid off in one lump sum, it is necessary to negotiate with the bank as soon as possible and wait for the approval of the bank. If the bank does not accept the negotiation, it can also try several times.
3. Can I not go if my credit card is sued for overdue?
1. Generally, I can't. Bank credit card loans also belong to the loan relationship, and general loan disputes are only civil cases and will not go to jail.
2. Therefore, it is better for the cardholder to respond to the lawsuit after being sued, without being too afraid.
3. If one party fails to respond to the lawsuit after being sued, or the court and bank can't contact the party, it will be unfavorable to the litigant at that time, and it will be considered as evading the lawsuit and demanding enforcement, so the party will not be able to claim its own rights and interests.
4. According to the trial experience, it is recommended to attend the trial in court. If there is favorable evidence, the cardholder can also present his own defense in the trial, refuting the unreasonable part of the other party, which is also conducive to the court to find out the facts.
if you can't repay the credit loan, you can apply to the bank for deferred repayment, and the credit loans overdue will be collected by the bank, which will generate overdue interest. On the basis of personal credit and repayment ability, you can apply for credit from the bank. The credit amount is between 1, yuan and 2, yuan, and the loan period is between 1 and 2 years. After the credit application is successful, you need to repay on time, otherwise it will affect the lender's credit investigation.