1. Who to contact for negotiation if the Industrial Credit Card is overdue?

When the Industrial Credit Card is overdue, the user needs to proactively call the Industrial Bank hotline to indicate that he has lost the repayment due to special reasons. ability to pay, not malicious overdue payment. The earlier the negotiation, the better. Generally, some supporting materials need to be provided for review. After passing the review, Industrial Bank will negotiate with the user to re-agree on the repayment time and amount.

If the user has often been overdue in the past and has poor credit, Industrial Bank's trust in the user will be very low, and such users will not be able to apply for negotiated repayment. In addition, if you want to apply for a suspension of interest rates, you can go to the local Industrial Bank branch to negotiate. If the materials are approved by the bank, you can jointly develop a personalized repayment plan.

2. What will be the consequences if the Industrial Credit Card is overdue and fails to negotiate?

When the user fails to negotiate with the bank and is unable to repay the loan, if there is no repayment, he may face the crime of credit card fraud and be fined. The bank sued. If the debtor meets the following three conditions, he is likely to face jail time.

To meet the conditions for the crime of credit card fraud: the amount of debt is 50,000 yuan or more, there is intentional non-repayment for the purpose of illegal possession, and deliberate evasion of bank collection. When the bank has made two effective collections within three months and still has no intention to repay (effective collection: first, the bank has made the debtor personally aware of the debt situation; second, the interval between two collections is more than one month ).

3. Will you be sued immediately if your Industrial Credit Card is overdue for three months?

If a user is overdue for more than three months, the bank will decide whether to prosecute based on the specific circumstances. If the debtor actively responds to the bank's collection within these three months, shows a certain willingness to repay, and actively repays any portion every month, the bank will not sue for the time being.

On the premise that the bank has made two effective collections with no results, and the user owes a large amount and has no willingness to repay, the bank will take legal procedures to solve the problem. In addition, if you have been sued, the bank will withdraw the lawsuit as long as the debtor can pay off the money in one go.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.