What is the worst result of not returning the credit card?
1, credit investigation: Undoubtedly, the overdue repayment of users' credit cards is naturally a credit investigation report at the meeting, which causes personal credit losses and leaves a stain on the credit investigation report.
2. Penalty interest: Like loans, credit cards will be charged with penalty interest if they are overdue. Generally speaking, it is charged at 15000 yuan per day, and the compound interest calculation method is adopted. Over time, it will be a big expense.
3. Collection: In addition to the collection by the bank collection department, it is also likely to be outsourced to a third-party collection company. Various collection methods and frequent collection frequency are a great "test" for the debtor himself and his relatives and friends.
4. Prosecution: The overdue situation will be different. If it is generally overdue and repayable after collection, then the problem is not big. It is enough to keep the credit for a period of time, but if it is overdue for more than 3 months, then the bank is likely to sue, and then it will be listed as the executor of dishonesty and become Lao Lai. Limiting high consumption will be troublesome.
The above is about "what is the worst result of not paying back the credit card?" Generally speaking, after the deadline, you will face the consequences of submitting a credit report, being charged with compound interest and penalty interest, being collected after being loaned, and being sued. And the negative impact is still great, so it is recommended to repay the loan on time. If there is pressure, it will be solved by stages or at the lowest level.