What should I do if my credit card is not paid back?
If your credit card cannot be repaid but is charged, you should repay it in time.
If a credit card holder is credited, if the debt is true but the debtor is temporarily unable to repay, the debtor can take the initiative to reconcile with the creditor in litigation, or initiate mediation with the creditor under the auspices.
Negotiate the method and period of performance of credit card debts, and reach a settlement or mediation through installment payment, provision of guarantees, appropriate extension of the period, etc. to resolve the issue.
If reconciliation or mediation is not possible, a judgment should be made in accordance with the law. brThe borrower shall repay the loan within the agreed period. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.
How to solve the problem after an overdue credit card case is filed?
If a party is charged for an overdue credit card, it is a civil debt. It is recommended that the party repay the arrears as soon as possible, so that the bank will not impose penalties on the party. . For malicious overdraft behavior and the card-issuing bank's collection fails, in addition to immediately stopping payment, the guarantor should also be contacted as soon as possible to require it to perform its guarantee obligations when due. If the guarantor refuses to perform its guarantee obligations, judicial channels should be adopted to resolve the issue.
What to do if the money you owe on a credit card is stolen
How to handle a court case if you owe money on a credit card:
1. Take the initiative to negotiate with the bank. The first thing to do is, of course, I took the initiative to contact the bank. You know, although the bank can, it can also withdraw the lawsuit. Therefore, you can take the initiative to explain the situation to the bank and prove that your situation is indeed difficult. As long as you negotiate with the bank, the bank will generally not make it too difficult for you.
2. Since the credit card repayment is due to the money owed to the credit card, if you want to solve the problem, you naturally need to repay the credit card. Of course, asking you to repay a credit card does not necessarily require you to pay off all the debt in a short period of time. You can negotiate a repayment period with the bank and then pay back a little every month, which shows that you are actively willing to repay the loan. important.
An overdue credit card will cause bad credit, which will have a great impact on your future life. Therefore, once it is overdue, it is recommended to contact the bank in time to repay the loan as soon as possible to avoid being credited. You can also Seek help from a professional attorney for solutions.
What should I do if my credit card debt is investigated?
After the credit card investigation is filed, the bank or the police will usually formally notify you by email. If you pay off the debt in time, you will be fine. . If malicious overdraft would constitute a credit card crime, the starting point of punishment for this crime has not been set, but according to the reference crime, the starting point of punishment should be 5,000 yuan. Article 196 of the "Criminal Law" stipulates that the crime of credit card refers to the act of illegally possessing, violating credit card management regulations, using credit cards to carry out activities, and defrauding a large amount of property. The use of credit cards generally refers to the use of counterfeit or invalid credit cards, or the fraudulent use of other people's credit cards or malicious overdrafts. An overdraft is a behavior in which a customer who sets up an account with a bank has no funds or insufficient funds in the account, and with the approval of the bank, the customer is allowed to spend money in excess of the funds on his account. An overdraft is essentially a bank lending money to a customer. The so-called malicious overdraft, according to the credit card crime provisions of Article 196, Paragraph 2, of the Criminal Law, refers to the behavior of a credit card holder who overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the money after being called by the card-issuing bank. . The essential difference between a bona fide overdraft and a malicious overdraft lies in the subjective differences of the perpetrators. Both objectively cause overdrafts, but the perpetrator of the overdraft in good faith has the subjective intention to use it first and pay back the overdraft and interest at that time, while the perpetrator of the malicious overdraft overdrafts in order to keep the overdraft as his own. , do not want to repay or are unable to repay, and resort to absconding to avoid debts. According to the provisions of the Criminal Law, in addition to committing one of the above four acts, the perpetrator must also meet the requirements of a relatively large amount. If the amount is not large, even the above behavior is illegal and does not constitute a crime. As for what constitutes a “large amount”, there is currently no clear judicial interpretation. However, according to the 1996 Supreme People’s Interpretation on Several Issues Concerning the Specific Application of Law in the Trial of Cases, a larger personal amount refers to more than 5,000 yuan. The starting point for larger amounts for credit card crimes can be based on this provision and is preferably 5,000 yuan.
This is the introduction of what to do if a credit card debt case is filed.