Why don't credit cards have to be repaid this month? Under these circumstances,

although the credit card is handled with our personal identity information, the money in the card is in the bank. If you use it, you have to repay it. It is reasonable to say that you use the card every month and you have to pay it back every month. And some card friends use their cards that month, but they don't have to pay back this month. I want to know why. Today, I will talk about the reasons why credit cards don't have to pay back this month.

do I have to repay my credit card every month?

not necessarily. just follow the credit card bill anyway. if the credit card bill shows that the repayment amount is , it means that there is no need to repay this month.

but you don't have to pay back ≠ you haven't used your card. As mentioned earlier, it would be strange for card friends to find that they don't have to pay back after using their cards that month. If you were everyone, you would probably get to the bottom of it. Let's see what the reason is, right? Otherwise, you will feel uneasy, afraid that the system will go wrong, give yourself the illusion that you don't have to repay, and let yourself be overdue.

why don't credit cards have to be repaid this month?

1. There is a refund for the consumption: the goods are returned after the credit card consumption, and the refund is received before the bill comes out. The refund is the same as the consumption amount, so there is no need to repay the money.

2. There is an overpayment in the card: if it is refunded after consumption last month, but it is refunded after the bill date, the refund will become an overpayment after repayment last month. If the amount consumed this month is the same as the overpayment amount, it will even out, and there is no need to repay it.

3. Repayment before bill: In order to make zero bill, many card friends pay off their debts before the bill date comes out after spending this month, and then the bill will show zero, that is, there is no need to repay. However, regardless of the repayment before the bill or after the bill, the amount spent this month will be recorded in the credit report.

Summary: These are the common situations in which credit cards don't need to be repaid this month. You can compare them to see which one you belong to. If you are really worried, it is recommended to call the service hotline of the issuing bank and ask the customer service to help check the repayment amount this month.

Credit cards will not be returned all the time

Why not return them? Otherwise, it will lead to high overdue fees, and even the bank will take them seriously.

Extended information:

What will happen if the credit card is not returned to the bank?

1. High overdue interest

If the credit card is overdue due to people's failure to repay the credit card, it will generate high overdue interest, so be sure to repay the credit card on time, so as not to cause the credit card to be overdue.

2. Being sued by the bank

If the cardholder often fails to repay the credit card and fails to repay it within the last grace period stipulated by the bank, he will be sued by the bank, which will cause economic losses such as litigation fees and lawyer fees.

3. Bad credit record

If the cardholder fails to return the credit card, it will cause the credit card to be overdue, which will affect the personal credit record, stain the personal credit record, and have a bad credit record, which will have an impact on future bank cards and loans.

Fourth, bear criminal responsibility

If the credit card is not returned and the amount owed is more than 1, yuan, it will constitute a credit card crime and will be investigated for criminal responsibility.

why don't some people return their credit cards?

Xiecheng Watcher will answer for you.

There is no definite answer as to whether or when a general credit card will be overdue, which depends entirely on the mood of the bank.

For example, some people will be puzzled. Why do other people's money and credit cards cost more than 1, yuan, but I owe 2, yuan, but the bank does?

That's because people who owe more than 1, yuan keep repayment records every month. No matter how much the amount is, it means that they still have the willingness to repay, but they just don't have the ability to repay. This doesn't constitute credit, and they can't file a case. However, why are people who owe 2, yuan being punished? There may be no contact with the bank during the overdue period, and there is no repayment record. The bank thinks that this can't be recovered compared with the arrears, so it chooses the debtor to recover this bad debt.

in fact, no matter whether it is collection or not, the bank has only one purpose, that is, to recover the arrears. However, if the cardholder still has a little willingness to repay, the bank will not choose, because the bank is not worth the loss.

What should I do if my credit card is overdue?

1. Express my willingness to repay to the bank:

When my credit card is overdue, you must never ignore it. First of all, you should get in touch with the bank, show your current economic situation, and take the initiative to express your willingness to repay. I hope the bank will coordinate and customize a reasonable repayment plan, and then make efforts to make money and slowly pay off the arrears.

2. Keep the call open:

Bank staff will keep contacting you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should clarify your willingness to repay and the current economic pressure in time, and beg for some time.

so, how can I repay the overdue credit card? Watchers have two suggestions:

1. Try every means to find relatives, friends and parents, collect enough principal, take the initiative to call the bank to discuss whether the interest and liquidated damages generated during the overdue period can be reduced or exempted, and then pay them off at one time and cancel them.

2. negotiate to stop payment (reach an agreement with the bank) and pay it back slowly by stages, so as to reduce the repayment pressure, stop the collection with the greatest psychological pressure and avoid it.

If there is any overdue credit card, negotiate installment and debt problem, pay attention to "Xiecheng Watcher", and have been 3 overdue credit card holders to answer and solve the problem. I know you because I am in debt.

I owe hundreds of thousands of credit cards, which have been expected for more than five years, and I haven't paid them back basically, and the bank hasn't paid me.

This question is a bit interesting.

It's like asking why some people can eat ten steamed buns at a time, why some people can drink three bottles of 53-degree liquor without getting drunk, and why some people can become billionaires.

first of all, whether the credit card has been used or not is a matter for the bank. Banks issue so many credit cards, and a large number of them are not returned. But there are many reasons for not paying it back, and banks also do it selectively. If you don't pay back every credit card, the bank doesn't have to do anything and goes to court every day. Although the proportion of credit cards is still very low, because of the large circulation, the number of users who do not return their credit cards is quite large, so that banks will not let every user who does not return their credit cards.

Some credit cards are not returned because of good credit in the early stage and temporary lack of money, which leads to temporary suspension of files, so the bank will definitely not immediately, but should observe.

Some credit cards are not returned because of difficulties, but they are not stopped. That is, they should have paid 2, yuan a month, but they don't have that much money, so they can only pay 2, yuan a month, keeping the repayment record. Neither will these banks.

there are still some credit cards that are not returned, which are not representative, the amount is not large, and the time is not long. The bank believes that they will be returned in the future, so it will not.

Some credit cards are not returned, because the time is relatively short, so the bank has patience, and sends a notice to customers to repay, until the bank can't bear it.

Of course, bank credit card users are also very cautious. Most of them will have reminders before. After all, every credit card is sent out, and banks expect to make good use of it, so that banks can generate good profits. Credit card users, can't, try not to, maybe that day the customer will have money, pay it back, and then collect the interest and principal together. Customers also become long-term credit card users.

some credit cards are not returned, and sometimes customers forget them because the figures are not large. Then, when the bank sorted out the credit card situation at a certain stage, it found that it had been in arrears for a long time and it was easy.

most of the users who were arrested because their credit cards were not paid back were users who had been in arrears for a long time and were urged to pay back by the bank. On the one hand, banks are reminders, on the other hand, they also have the function of killing chickens and scaring monkeys. This part is a bit similar to bad debts. Banks are also playing dates in the yard, with one thick stick and no thick stick.

in short, it is better to repay the credit card arrears as soon as possible. There are some people who believe that the card has not been stolen yet, for a special reason. You can't think that you don't have to pay it back just because others have had this experience. In the end, you will pay it back. If you don't want to pay back the money, it will affect your financial credit.

I see two phenomena about the credit card problem:

1.1. More and more people can't afford their credit cards.

this is not an individual phenomenon, but a general phenomenon caused by the continuous economic downturn.

1.2. The credit card can't afford the consequences, and it is aggravated and demonized, which increases the psychological burden of many bankrupt people and social panic? I know that the economic downturn has been very severe and the social rate is very high in the past two years. I think it is necessary to have more positive attitudes and ways to solve problems.

what should I do if my credit card can't be repaid after I go bankrupt?

credit card is actually understood as a credit loan. what should I do if the ordinary loan is not enough? Is it going to jail? The answer is no.

I can't afford to repay the loan. What I want is a negotiated solution to the problem. For example, renew the loan, or pay it back in installments? . It's really difficult

Why don't you return the credit card introduction and stop here?