1. What should I do if my personal credit card is unable to repay?

1. Repay the minimum repayment amount

(1) Every bank will set a minimum repayment amount for credit card holders. As long as the cardholder can repay this minimum amount, the bank will neither charge late fees nor affect personal credit.

(2) Generally speaking, this minimum repayment amount is 10% of the bill amount. That is to say, if the debtor spent 1 1,000 yuan last month and the money in hand is not enough this month because of unemployment or other reasons, then it is enough to pay 1 1,000 yuan.

(3) However, it should be noted that if the minimum repayment amount is selected, there is no late payment fee, but the daily interest of 0.5% is charged, which is quite enough. Therefore, the borrower had better pay all the bills as soon as possible.

2. Actively negotiate with banks.

(1) If the cardholder can't even pay the minimum repayment amount 10%, then don't choose to run, that is, change the address and mobile phone, so that the bank can't be contacted. This is the worst way to handle it.

(2) It should be known that from the day the debtor applies for a credit card, the debtor's personal data and credit situation will be recorded in the central bank's credit information system. No matter where the debtor goes in the future, unless he doesn't deal with the bank in his life, he pays the water and electricity bill in his real name, buys a mobile phone card and handles fixed telephone calls. Otherwise, the bank will find the debtor, and the debtor's credit record will be smeared, which will make it difficult to obtain the approval of bank loans and credit cards in the future, and may even affect the debtor's future employment.

3. Bill installment payment

If the cardholder is temporarily unable to repay the arrears in one lump sum, he can pay the arrears in installments on the bill.

Second, what will happen if you don't return your credit card?

1, high interest and late fees

(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 interest every day from the date of consumption, and compound interest will be calculated monthly. If you owe tens of thousands of yuan in less than a few days, you will generate thousands of yuan of interest, and the longer the time, the higher the interest.

(2) If the credit card fails to repay in time after the interest-free period, the bank will charge the cardholder a late fee, accounting for 5% of the unpaid part of the minimum repayment amount. After a certain period, the bank will charge the cardholder a higher penalty interest.

2. Personal credit stain

How important is the personal credit record, as long as the debtor has applied for a credit card or loan. Once the debtor's credit history is tainted, it will be very difficult to apply for a credit card. This is not the most troublesome. Worst of all, if the debtor wants to buy a house with a credit stain in the future, the loan amount of the mortgage will be less than others, and the interest rate will be higher than others. If it is overdue, the bank will not lend it to the debtor.

3. The credit card has been 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 deactivated. For those who owe money for many times or for a long time, the bank will think that the cardholder's repayment risk is high, and will stop using the credit card and recover the arrears from the cardholder. If the bank still can't repay the credit card debt, the bank can apply for auctioning other fixed assets of the cardholder.

Credit card holders must pay attention to their own abilities when using credit cards, do not use credit cards frequently, and do not use credit cards to spend things they cannot afford, because when the repayment period of credit card debt expires, the debtor not only has to repay the principal, but also needs to calculate the corresponding interest and repay it according to the agreed standards.