1. How to deal with the cardholder if the credit card is not used

It is possible to directly sue the cardholder.

after the credit card is overdue:

1. High interest and liquidated damages

(1) If the credit card is not repaid, the cardholder will no longer enjoy the interest-free period of the credit card, and will charge five ten thousandths of the interest every day from the day of consumption, and compound interest will be calculated monthly. If tens of thousands of yuan are owed in less than a few days, it will generate thousands of yuan of interest, and the longer the time, the higher the interest.

(2) if the credit card is not repaid in time after the interest-free period, the bank will charge the credit card holder a penalty of 5% of the unpaid minimum repayment amount, and the bank will charge the cardholder a higher penalty interest after a certain period of time.

2. Personal credit stain

As long as you have applied for a credit card or a loan, you will know how important your personal credit record is. Once your credit record is stained, it will be very difficult to apply for a credit card. This is not the most troublesome thing. The worst thing is that if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate, but higher than others'. If it is overdue, the bank will not lend.

3. The credit card is stopped

If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder and the credit card will be stopped. For those who have been in arrears for many times or have been in arrears for a long time, the bank will think that the cardholder has a high repayment risk, and will stop using the credit card and recover the debt from the cardholder. If the bank still fails to pay back the credit card debt, the bank may apply for auctioning the cardholder's other fixed assets.

4. Malicious arrears will be sentenced

If the credit card is not repaid for more than three months, it will be regarded as malicious overdraft, and the bank can start judicial proceedings.

second, is it ok to apply for interest reduction and exemption on credit cards after they are overdue?

Yes.

1. If you want to reduce the interest after the credit card is overdue, you can apply to the card-issuing bank to stop paying interest. If the application is successful, the arrears will no longer generate interest, so it will naturally be reduced. However, it should be noted that the interest generated by the previous arrears will not be exempted, and it is still good to record it on the bill together with the principal, and the customer needs to pay it off on time.

2. Even if the customer directly applies for interest exemption, most banks will not agree. If the customer fails to pay for a while, he can try to extend the repayment period and repay the arrears in installments while applying for suspension of interest payments. In this regard, the bank will consider it as appropriate.

3. As long as the customer doesn't pay back on time intentionally, but does not have the repayment ability, the bank may agree, and then the customer can repay the arrears on time and in installments according to the repayment plan newly negotiated with the bank.

4. Of course, customers had better avoid overdue at ordinary times, and should form a good habit of paying back on time. If you find that you can't pay off the bill in full, you can actually apply for bill installment before the repayment date comes, or pay the minimum repayment amount of the bill first.

If the credit card fails to repay within the time limit after use, it will generate overdue interest and liquidated damages, and may be sued. At the same time, it will leave overdue records in the credit information system, which has a great impact on daily life and may even affect children's schooling. Secondly, credit cards can apply for interest relief after they are overdue.