1. How to open a credit card overdue unemployment card?

If the credit card is overdue and you want to submit an unemployment certificate to the bank to avoid being sued by the bank, you can go to the local social security bureau to apply for relevant certificates. This is the most authoritative, of course, it can also be issued by the local street. It is relatively simple to issue unemployment certificates by the original work unit.

However, the unemployment certificate submitted by the borrower may not be recognized by the bank, and the consequences of overdue credit cards are more serious, which will affect personal credit information and generate a lot of penalty interest, which is fatal to those who have no work income. We must find ways to solve the debt as soon as possible.

Second, how to deal with the credit card money before going to the bank?

1, collection

According to the different overdue time, the collection methods are different.

If it is overdue for 7~5 days, the bank customer service will send a short message to collect it; If it is overdue for more than 30 days and less than 90 days, bank customers will call to collect it; If it is overdue for more than 90 days, the bank may send someone to collect it; If the overdue time exceeds half a year, the bank can also outsource the collection to a third-party company, and the third-party collection company will collect the collection.

2. Report to the Central Bank

As long as there is no overdue, the bank will report the overdue behavior to the central bank's credit information system while collecting money. However, it will not be reported immediately after the deadline. Many banks report monthly. 100% will report if there is no minimum payment after the next bill.

Step 3 file an appeal

If your credit card is overdue for more than 3 months, and you have received effective collection from the bank twice, but you still haven't repaid it, it is considered as a malicious overdraft credit card. If the amount exceeds 50 thousand, the bank will sue yourself in court and let the police arrest you in prison. This consequence is very serious. Even if you go to jail, you have to continue to pay back.

3. What if the credit card is not returned?

1, change the credit card bill.

If the cardholder is not expected to get the credit card, he can call the credit card center of the issuing bank to apply for changing the credit card before the billing date (remember to apply before the billing date) to achieve the purpose of delaying repayment.

Tip: Whether you can change the bill date and the number of times you change the bill date varies from bank to bank. Card friends should call the bank in advance.

2. Fault-tolerant service

If card friends can make up enough money within one or two days after the due repayment date, they may wish to make full use of the time-tolerant service of the bank.

Tip: Time-sensitive service requires the cardholder to apply actively.

ask for help

The credit card is still expired. In order to avoid overdue, please borrow some money from your friends first, return the credit card, and then return it to your friends when the funds are plentiful. This method is not commonly used, but it can be used occasionally.

4. Minimum repayment amount/bill installment

The minimum repayment amount of credit card and bill installment can also avoid overdue, but the cardholder needs to pay the corresponding interest and handling fee to the bank. However, the minimum repayment amount of the credit card and the annual interest rate of the bill installment are as high as 18.25% and 14%, and the short-term emergency is ok. It is not recommended for cardholders to use it for a long time.

5. Use the card reasonably

If the credit card is overdue, you can negotiate with the bank. If you are sure that you have difficulties, you can issue an unemployment certificate to the local neighborhood Committee. As long as the bank meets the requirements after receiving the materials, the cardholder and the bank can renegotiate a repayment method that can be within their own affordability, thus protecting their rights and interests.