2. If the arrears are not paid for more than 3 months, bad credit records will be generated in the credit information system of the People's Bank of China. This bad credit record will be kept for 2 years after you pay off all the debts, and the record will be automatically eliminated after 2 years.
3. Suggestion: Pay as much as you can, and pay some every month until all the arrears are paid off. (But the bank will charge interest of 0.5% of the amount owed every day. )
4. The standard of small and large credit card arrears is 1 10,000 yuan, and the amount below 1 10,000 yuan is small, which does not constitute the basic condition for court prosecution, but it will lead to bad credit and generate interest and late fees. If it is more than 1 10,000 yuan, it constitutes the conditions for prosecution. After the court accepts the case, if the debtor still fails to repay the loan, the court will take compulsory measures. (Some people say it is 2000 yuan)
5. If you owe a small amount of money, and you are not a person who has the ability to repay it intentionally, don't worry about the court prosecution and criminal responsibility mentioned by the dunning salesman. Only when you deliberately owe money and the amount is huge will it happen. Pay it back slowly within your ability.