1. What should I do if my credit card owes 80,000 yuan?

Credit card arrears of 80,000 yuan have not been paid for two years, and the treatment is as follows:

1. shows a positive repayment attitude. After the deadline, you can't choose to ignore the arrears and show your willingness to repay;

2. Explain the reasons for overdue, prepare sufficient information, and actively express the willingness to repay, so that the cardholder can negotiate a new repayment plan with the bank and then repay according to the new repayment plan;

3. Make sure the call is smooth. When the credit card is overdue, the bank can't contact us, which will cause us to avoid the misunderstanding of repayment.

2. What should I do if my credit card runs out of money?

The solution of overdue credit card without repayment;

1. Take advantage of the delayed service provided by the bank:

If the funds can only be repaid in one or two days, you can use the bank's deferred repayment service. General banks have a 1-3-day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Handling credit card installment or minimum repayment amount:

If you don't apply for a credit card in the short term, you can consider applying for a credit card installment or paying the minimum repayment amount. Although these two methods have to pay certain interest to the bank, they also avoid bad credit records caused by overdue.

3. Effective change of bill date:

If it is expected that a bill may not be repaid at that time, you can apply to the bank to change the date of the bill before the bill comes out to extend the repayment period. Of course, the accounting date can't be changed. The details can only be confirmed by consulting the bank.

4. Find a friend or family member to borrow money for turnover:

Find a friend or family member to turn around, borrow some money to pay back the credit card first, and then pay back the money when there is more money.

3. Will you go to jail if you owe money on your credit card?

1. If you don't return your credit card, you may go to jail.

2. If the credit card is overdue for more than three months or the bank reminds it twice or more, the bank will freeze the card and list the cardholder as a prohibited customer (blacklist). At the same time, the cardholder will also be prosecuted for credit card fraud and malicious overdraft, which will be enforced by the court.

3. Those who refuse to pay back after prosecution and owe more than 50,000 yuan have the purpose of illegal possession, and the court will punish them according to Article 196 of the Criminal Law for the crime of credit card fraud.

Credit card overdue must be handled reasonably, for example, we can negotiate installment repayment or minimum repayment amount. Of course, because of the existence of the bill installment function and the minimum repayment function, and in the case of economic difficulties, you can apply with the other party to open these functions. After all, these functions are very important for people with overdue credit cards.