As the saying goes, every injustice has its own owner. If a person owes money to the bank, what happens to the money if he dies? Or set up an inherent situation. A person knows that he has a terminal illness. Before he dies, he deliberately borrows money and borrows 1 million credit cards. Then he dies and uses up all the money. How should the bank use this money? Do you want the money back? Let’s take a look at the detailed explanation!

1. The bank will have this response strategy: first, directly debit the bank card.

First of all, after the bank knows about this situation, the bank will definitely hold an emergency small meeting, and the account manager will speak, why should the money be lent to this customer, and the customer's physical condition should be checked before lending money Have a basic understanding. This is a dereliction of duty at work, so the account manager will be punished. After the account manager is punished, the bank will activate an emergency plan and deduct the customer's bank card. In this case, the bank card will be recycled. Any No one can use this bank card anymore, so that it will not cause any additional losses to the bank and the damage can be stopped in time.

2. Secondly, freeze the client’s assets.

In the second step, the bank will freeze the customer's assets. For example, some people have always had better credit, so the credit limit will continue to increase.

What's more, if they are handled in different banks, the total amount will be an asset of over one million.

This customer also mortgaged other items at the bank. The car and gold that he mortgaged before borrowing the credit card are all the customer's assets. They must apply for freezing immediately. In this case, these assets will be left in the bank. If he really can't pay back the money, he can use these assets as a sum of money to pay off the credit card he owes.

Occasionally, exceptions will be encountered. For example, after a customer cashes out 1 million yuan, he directly gives it to others in cash, which will prevent the bank from suing.

3. Let the client’s heirs pay the debt instead.

Step 3 The bank will immediately notify the descendants of the deceased, such as his son or daughter, telling them that their father borrowed a credit card of 1 million from the bank because their father died and they need to let the heirs In lieu of repayment, if the deceased has no descendants, then notify his family members to see if they are willing to repay the debt, or depending on their financial ability. If the family members are very poor and are rural people living in rural areas, That's a bit trickier, as the bank may not be able to collect the money.

4. Auction the client’s assets.

Step 4. The bank will apply to the court to convene an auction. The court often convenes various auctions, such as things that were left behind when passing through the security check, or some illegal assets. They will all be auctioned at the court's auction. Similar to the situation where the deceased died of a terminal illness after borrowing money from the bank, the deceased's assets can also be taken to the court for auction. The auction process is left to the court and the procuratorate, who are jointly responsible. The bank The bank has no right to intervene. The bank can only wait for the auction results to come out. The bank will take back how much money it gets.

5. Ask about the client’s company

Step 5. The bank will send a special representative to the deceased’s company. Everyone has their own job in borrowing money. If the deceased has not resigned from the company before his death, the company has certain responsibilities and can go to the company to recover part of the debt. If the deceased was fired by the company before he became terminally ill, or he chose to resign, then this situation You can't go to your original workplace to ask for money.

6. Finally report to the public security system

In the last step, the bank will report the matter to the public security system, but uploading it to the public security system will not make any profit. Uploading it to the public security system will It's just a filing to prevent this from happening again. So at this point, the bank declared a failure in debt collection. You can get as much as you can at the court auction. When uploading to the public security system, that's it. The end of the event.

To sum up, if a person goes to the bank to borrow a credit card of 1 million before death, the possibility of success is very small. First, the account manager will definitely review the customer's physical condition. If he is terminally ill, Generally, the application will not be approved. If the account manager does not review it and this situation happens by chance, the bank can recover at most half of the assets, which is the customer's mortgage money. In this case, the bank will suffer some losses.

I would like to advise everyone that banks have relatively complete rules on borrowing money, so it is impossible for anyone to get money from the bank through free prostitution.