How to communicate with the bank to unfreeze a Minsheng Bank credit card that has been frozen for overdue repayment?

Whether criminal liability will be pursued for overdue credit card payments depends on whether the overdraft was malicious and the amount.

1. If the credit card debt is not paid, if it is judged to be a malicious overdraft and the amount is relatively large, a case can be filed.

2. If the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed as a malicious overdraft.

3. According to Article 196 of the "Criminal Law of the People's Republic of China", "malicious overdraft" is a criminal act of credit card fraud.

4. The amount of malicious overdraft is more than 10,000 yuan, which is considered a "large amount" stipulated in Article 196 of the Criminal Law and is already a crime.

Note: The amount of malicious credit card overdraft refers to the amount that has been refused to be returned and has not yet been returned, excluding late fees, compound interest and other fees charged by the card-issuing bank.

The Supreme People's Court and the Supreme People's Procuratorate jointly issued the "Interpretation on Several Issues Concerning the Specific Application of Laws in Criminal Cases of Impeding Credit Card Management" today, which came into effect on December 16, 2009. The "Interpretation" clearly stipulates the conditions under which "malicious overdraft" on a credit card constitutes a crime, as well as issues related to the determination and punishment of "malicious overdraft", and defines "for the purpose of illegal possession" to distinguish it from the act of overdraft in good faith.

The judicial interpretation of "illegal possession for the purpose" lists six situations based on judicial practice, such as not returning a large amount of overdraft knowing that it cannot be repaid; wantonly squandering the overdraft without returning it; concealing and later overdrafting, Change communication methods to evade payment collection by financial institutions, etc. These situations are all manifestations of "illegal possession for the purpose". ?How to repay Minsheng Bank credit card?

Minsheng Bank credit card repayment includes full repayment, installment payment and monthly minimum repayment. Please transfer or deposit to your credit card to repay. What will happen if Minsheng Bank credit card is overdue for 13 days?

1. It will cause overdue payment and affect the credit record.

2. Full penalty interest will be charged, and the daily interest rate will be 0.05 from the date of swiping the card.

3. Late payment fee, 5% of the minimum repayment amount. Minsheng Bank's credit card is seriously overdue. Can I unfreeze it now?

Minsheng Bank's credit card is seriously overdue. If I want to unfreeze it, I can first pay off the outstanding balance and then call the bank's credit card customer service hotline for consultation. What should I do if my Minsheng Bank credit card account is frozen?

That’s dangerous. Your card is probably out of business. It is difficult for the bank to reactivate your card after freezing it. (That’s not to say it’s completely impossible.) Based on experience, the bank will ask you to pay back the money as soon as possible and then help you activate it. In fact, this is just an excuse from the bank. After you have completely paid it off, they will say that it is difficult to activate it again and suggest that you cancel the card. This is my personal thoughts and experience, I hope you just use it as a reference. In addition, if you are not expected to repay in two installments, your credit may have a bad record. Hey~ I hope this helps you. Handle it carefully and hope you can pay it off as soon as possible and then cancel the card, which can be regarded as a settlement. PS: Do what your friend says. And you are only 21 years old, be careful~

What to do if Minsheng Bank’s credit card has a bad record of overdue repayment

It is best not to be overdue for more than one week. Every bank has repayment policies. The grace period is generally set to at least 3 days, and repayment should be made as early as possible based on the actual situation.

Only when customers activate the SMS repayment reminder function will the bank send repayment SMS. Credit cards rely on 'credit first, repayment later'. Credit card purchases require repayment every month, not based on whether you receive a text message. Therefore, after the customer activates the SMS reminder, if the bank causes the SMS to not be sent to the customer in time, the relevant responsibility will be borne by the bank.

Minsheng Bank's credit card will be frozen depending on how many times it is called upon.

Generally, if it is overdue for more than 3 months and has not been paid off after two collections, it will be frozen. However, some will be frozen if it is less than 3 months old. What is the repayment period for Minsheng Bank Credit Card?

The interest-free repayment date is within 20 days after the account due date. The minimum is 20 days and the maximum is 51 days. Taking the 2nd of each month as an example, if you consume on the 3rd, it will be on the next billing day. The repayment date is the 21st of the next month. At this time, you have 51 days of exemption. Interest-free repayment period, if you consume on the 1st, then your interest-free repayment period is before the 23rd of the month. What will happen if my Minsheng Bank credit card is overdue for RMB 5,000 for two years?

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Newbies should pay special attention to the following points when using credit cards:

(1) If the card issuer offers a special discount for the first year to attract consumers to apply for a credit card, special attention must be paid to it. The offers in these promotions are usually short-term. Don’t be fooled by the moment. When choosing a credit card, you still have to give priority to long-term benefits.

(2) Avoid applying for more cards than you can afford. Evaluate your spending habits, needs, and financial situation before deciding which credit cards to choose.

(3) You must sign the new card immediately when you receive it, and cut the old card into pieces to avoid unauthorized use.

(4) You must keep your credit card safe and report the loss immediately if it is lost.

(5) Regardless of credit card or debit card, you must maintain a good credit record.

(6) Cash advance is convenient, but the price is high.

(7) Using revolving credit can help you manage your finances, but please note: Revolving credit is a type of credit loan that allows you to repay the entire consumption amount at once within the payment period. A portion of the amount is paid before the payment deadline, but interest must be paid additionally for revolving credit.

(8) Prevent credit card fraud.

(9) When changing your address or contact number, please notify the card issuer immediately.

(10) You do not need to pay extra handling fees when you use your card to make purchases at special stores.

(11) If you are called by a collection agency because you have not paid, you are responsible for paying off the debt immediately. In serious cases, you will bear legal liability. How do I repay my Minsheng Bank credit card bill in installments?

Bill installment payment is an installment payment service provided by Minsheng Bank Credit Card Center for eligible cardholders’ issued bills. Cardholders can repay part of the billed amount in installments according to the number of installments applied by the cardholder between the day after the bill date and 17:00 on the last repayment date. Successful application for bill installment requires payment of a certain handling fee.

The minimum amount to apply for bill installment is RMB 600 (or the equivalent in foreign currency), and the maximum amount is the unpaid consumption balance in the issued bill as of the day before the application date (displayed in the system as "Unpaid as of yesterday"). "Repay the balance of consumption"), and it cannot exceed 90% of the bill amount issued in the current period. The online banking bill installment system will automatically calculate and display the maximum amount that can be applied for bill installment, which is the "reference application amount" in the bill installment application screen.

Periods: 3, 6, 9, 12, 18, 24

The handling fee rate for each period is 0.82 0.70 0.67 0.67 0.67 0.70

Assume that your The bill is 10,000, and the maximum you can pay in installments is 90% of the bill amount, so 9,000 can be divided into installments. Assuming that the bill is divided into 6 installments, the handling rate for each installment is 0.70, and the principal to be repaid in each installment is still 9,000/6=1,500. The handling fee payable per period is 63, and the amount payable per period is 1500 63 = 1563.

Hope this helps!