First, how to deal with the credit loan

How to deal with the credit loan:

First, if the credit loans overdue is not yet available, you should communicate with the loan platform in time to inform you of the temporary inability to repay, and see if you can apply for minimum repayment or deferred repayment. If you can't apply, the borrower can only find ways to raise money and return it as soon as possible.

2. Confess to your family, seek help from your family, and try to raise money for repayment. Although you may be complained by your family, it is worthwhile to be blamed if you can avoid loans overdue.

Third, mortgage or sell off the assets in your name to repay the credit loan. Credit loans overdue will directly affect users' personal credit information. Once personal credit information is affected, it will be restricted if they want to apply for loans in the bank in the future. And overdue will be fancy collection by the loan platform, which will have a serious impact on the daily life of users. Therefore, after handling the credit loan, you must repay it on time. If it is overdue, you must face it positively and try to get rid of it as soon as possible.

2. What should I do if my credit card is sued for overdue?

1. If the cardholder is sued for overdue credit card, it indicates that the overdue degree is serious. At this time, the cardholder had better negotiate with the bank immediately.

2. The purpose of bank prosecution is to recover the arrears, so if the cardholder can repay in time, the bank will generally withdraw the lawsuit. If you do encounter actual economic difficulties, you can also try to negotiate with the bank to repay by installments.

3. Don't wait for the bank to call, but take the initiative to call the bank to communicate, show a sincere attitude, explain that you didn't intentionally overdue, clarify your financial situation, liabilities and income, and express your willingness to repay. It is best if the cardholder can pay off the debt in one lump sum, but if it cannot be paid off in one lump sum, it is necessary to negotiate with the bank as soon as possible and wait for the approval of the bank. If the bank does not accept the negotiation, it can also try several times.

Credit card consumption is very common in China, because credit cards have the function of overdraft. However, when using credit cards, one needs to consider one's own financial ability at the same time, because if the loan is not paid for a long time, it will lead to a series of legal consequences, such as being blacklisted, which are very serious.