1. What should I do if the credit card is not for my own use? 1. Find a friend to check the situation, let the friend pay off the credit card debt, and negotiate a solution; 2. If negotiation fails, it is necessary to collect the evidence of lending a friend a credit card at the first time, and you can call the police to file a case; 3. Go to the local court to sue a friend for repayment and make up for the losses caused.
2. How to deal with the overdue credit card? 1. If the credit card money is not paid, you can apply to the bank for minimum repayment or deferred repayment. 2. If the overdraft amount is more than 1, yuan for the purpose of illegal possession, and it is still not returned for more than 3 months after being collected twice by the issuing bank, it is suspected of malicious overdraft and needs to bear corresponding legal responsibilities. In case of overdue behavior, it is recommended to pay off the arrears in time.
3. What will happen if the credit card is sued for overdue? 1. The bank's continuous dunning. When the borrower's overdue repayment occurs, the bank credit card customer service center will first call for many times; If the payment is still unpaid, the bank will entrust a third party to collect it, usually by continuous phone calls, text messages or even home calls; After repeated reminders, the bank will sue the court. 2. If the cardholder is sued by the bank and cannot apply for a loan, he will be added to the credit blacklist and unable to apply for a loan. The court will make a collection. After receiving the court summons, he will be urged to repay the loan after investigation and persuasion. However, if the cardholder refuses to repay the loan, the court can take enforcement; Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property. 3. Malicious default, imprisonment and a fine. If the credit card is overdue for three months, it can be regarded as a malicious overdraft penalty. However, if you communicate with the bank in advance and prove your repayment ability and repayment plan, you will generally not face criminal responsibility. However, cardholders who still refuse to return after the court's judgment will be dealt with according to the Criminal Law. If the circumstances are serious, they may face the consequences of imprisonment for three years and fines, especially if they are serious, they will face a longer term of imprisonment of three to seven years and pay fines.
what should I do if my credit card hasn't been paid, and I'm being called back?
Xiao Bian reminds you: As we all know, credit cards need real-name authentication, and credit cards are related to our own credit, so our credit cards are generally for our own use only. If we give them to others, we will bear the relevant responsibilities and need to consider them clearly. The above is the content compiled by Xiaobian. If you encounter a dispute, you still need to analyze the specific problems. If you can't solve your problem, you can consult a lawyer.