overdue for more than 9 days is very serious. The overdue records in the credit investigation will become a stain on the credit investigation. Among them, three consecutive months are overdue, and more than 9 days are overdue for three consecutive months. When there is such overdue record in the credit investigation, it is impossible to apply for any credit loan business. If the bank has been in loans overdue for more than 9 days, it may be blacklisted by the bank.

Therefore, whether it is a loan or a credit card (debit card), it must be repaid as soon as possible after it is overdue, otherwise the longer it is overdue, the greater the adverse impact on credit investigation. What are the consequences of overdue credit cards for more than 9 days

First, give a positive answer

Overdue credit cards will have the following adverse consequences.

Second, the specific analysis

1. Causing huge late fees

Whether online loans, credit cards or bank loans, loans overdue will incur late fees, and the longer the loans overdue is, the more late fees will be caused.

2. Being called for payment at home or bringing a lawsuit

In the early days of loans overdue, the loan service platform would call for payment by SMS. With the extension of loans overdue time, the service platform may assign staff to call for payment at home, and the situation is so serious that it will even recover the account through court prosecution.

3. Harming personal credit

More and more reliable online loans are based on checking users' credit records, not to mention loan banks. Loans overdue for more than 9 days are seriously overdue, which will leave a stain and endanger users' future credit business. At the same time, users will be restricted from going out to take high-speed flights and staying in hotels.

just check in: xiaoqi letter. Click "Query" and enter the information to query your own credit data, including your personal credit status, Internet black index score, blacklist, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

third, what will happen if the online loan is overdue for half a year?

overdue will have the following adverse consequences.

1. Penalty interest and liquidated damages.

If the loan is not repaid, the first thing you will encounter is the legal interest and liquidated damages. If you don't want to get yourself into the loan quagmire, you should develop a good repayment habit.

2. Credit will be damaged.

whether you borrow money from a bank or an online lending platform, if it is overdue, it will be much more difficult to apply for a credit card or loan in the future.

Some people think that the overdue payment of online loans has no influence on their credit information.

In fact, this idea is wrong. At present, there is an interconnected and encrypted system between online lending platforms and central banks. In online lending platforms, there will also be a "blacklist" system, which can find out your credit in minutes.

3. Those with serious circumstances will go to jail.

Many people are very concerned about whether the consequences of non-repayment of online loans will lead to imprisonment. Usually, such incidents of non-repayment of loans belong to civil disputes and have not risen to the criminal level.

However, if the borrower refuses to implement it or has the ability to pay it back and insists on being a deadbeat, then the court can pursue the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail.

Of course, at present, China stipulates that the part of private lending disputes with an annual interest rate of more than 36% can be requested to be returned, so in the face of the part of some online lending platforms that exceeds the statutory interest, lenders can take legal measures to protect their rights. If my credit card is overdue for more than 9 days, it will be considered as a black account. If my credit card is overdue for more than 9 days, it will have a bad credit report and has been blacklisted.

malicious overdraft of credit card means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank.

Late repayment of credit cards will face the following consequences:

1. Late payment fee for credit cards. The so-called late payment fee for credit card refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount.

2. overdue interest. After a user overdraws with a credit card, there is generally an interest-free repayment period ranging from more than 2 days to more than 5 days. If the cardholder's repayment is overdue, then all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the revolving daily interest rate is as high as five ten thousandths, that is, the annual interest rate will reach 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled lending business in banks, applied for credit cards, or provided guarantees for others, they can find credit reports in any domestic commercial bank.

4. litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask the lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who commit credit card fraud with malicious overdraft will be investigated for criminal responsibility for credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 2, yuan but not more than 2, yuan.

References:

Overdue repayment _ Baidu Encyclopedia