1. What should I do if my credit card is overdue?

1. If the cardholder is temporarily unable to repay, he should contact the bank Get in touch with the customer service center, indicate the financial problems you are currently facing, and negotiate tactfully whether you can suspend repayment or install installments. At this time, you must actively demonstrate your willingness to repay and your future ability. If the bank recognizes this reason, a personalized repayment plan can be formulated together.

2. If you have no intention of repaying, once you are overdue for three consecutive months, you will be blacklisted by the bank and included in the credit reporting system or even prosecuted, and you will be in trouble with criminal liability. Therefore, it is recommended that no matter whether the bank recognizes the reason of the debtor, at least part of it must be repaid every month.

2. What are the consequences of overdue credit card payments?

1. First, within one month after the debtor is overdue, he will receive high-frequency text messages and phone calls from the bank to collect debts. If there is no repayment effect, measures such as door-to-door collection will be started. At this time, the family of the debtor may also be affected. After the debt accumulates to a certain level, the bank will consider taking action to resolve the problem.

2. When a credit card is overdue for three months, the bank will most likely add the debtor to the bank's blacklist, and all credit cards under his name may be frozen at that time. In addition, when being sued by the bank, the debtor is still subject to civil liability. If it constitutes "malicious overdue payment", the nature will be transformed into criminal liability. If you continue to default on interest and compound interest, you may not be far away from going to jail.

3. Will the inability to repay the money owed to the credit card affect the children?

1. There will be no impact in the early stage of overdue payment. The main target of the bank is the debtor alone. When the bank's third-party outsourced staff comes to collect the money, it may have some impact on the children.

2. If the card holder is overdue for three consecutive months and the debt accumulates to 50,000 yuan, and the cardholder is sued by the bank but still cannot come up with the money to repay, he may be jailed. Once a case record is left, it will have an impact on the children's political review work. Even if the debtor dies, the children will still be responsible for repayment, but only if they inherit the property.

I am heavily in debt and cannot pay my debts. Consult an online lawyer to help you apply for a suspension of debt suspension and reasonably plan the repayment cycle.