1. What to do if the credit card is abnormally unable to repay?

If the credit card is abnormally unable to repay, it is likely that the credit card has been frozen. You can choose a third-party platform to repay. For example, transfer and repay the credit card through mobile banking to see if it can be successful. If the transfer cannot be repaid and the card number is invalid, the credit card may have been written off internally by the bank, but the debt still exists and must be repaid.

You can bring your valid ID and credit card to the counter of the card-issuing bank outlet and let the staff help you repay.

2. What are the legal consequences of an overdue credit card?

1. Overdue interest will be charged

After a user uses a credit card to overdraft, it usually takes more than 20 days to Interest-free repayment period ranging from more than 50 days. If the cardholder fails to fully repay the overdraft within this interest-free repayment period, the cardholder will no longer enjoy the bank's interest-free treatment for all expenses incurred last month, and the recurring daily interest rate is as high as 0.05%. , that is, the annual interest rate reaches 18%.

2. Credit card late payment fees will be incurred.

3. It will produce a bad credit record.

4. Litigation costs may arise over time.

If the cardholder fails to repay the overdraft after 2 months, the bank will call the user to remind the user to repay. If the loan is not repaid, the bank will ask a lawyer to issue a lawyer's letter to the user. If the user still refuses to repay after 180 days of overdraft, the bank will file a lawsuit in court, and the losing party will bear the litigation costs of the case. When a bank sues to require the user to repay, the bank usually wins, so this part of the cost will be borne by the user. bear.

5. Malicious overdrafts require criminal liability

3. Is paying the minimum repayment amount on a credit card considered overdue?

1. Credit card holders can pay monthly You can see the full repayment amount and the minimum repayment amount on your bill, because sometimes credit card holders are unable to repay all the credit card debt at once due to tight funds and limited repayment ability.

2. In order to ease the repayment pressure of customers without affecting the credit status of borrowers who are willing to repay, banks will allow borrowers to only repay the minimum repayment amount, not including overdue payments. Bad credit record.

The card holder must return the card on time. If the card holder finds that the credit card cannot be repaid when returning the card, he can go to the bank counter to repay. Do not delay beyond the repayment deadline, otherwise there will be an overdue record. , the consequences of overdue payment will be serious. Not only will your personal credit be damaged, but you will also have to pay high penalty interest and liquidated damages. In serious cases, you will be held legally responsible.