If the credit card owes a lot, you can do business with the bank and apply for the minimum repayment amount or installment payment. As long as both parties negotiate well, they will not assume any responsibility for fulfilling their obligations. If they refuse to pay, they will certainly be punished. If the credit card is unable to repay, you must find a way to repay. Cardholders can apply for minimum repayment or installment repayment. If the cardholder can't repay on time due to unemployment, illness and other reasons, he can take the initiative to contact the bank to which the credit card belongs, explain his situation, show that he is not malicious, and apply for deferred repayment and interest concessions. The filing standard for credit cards is malicious overdraft of 50,000 yuan, and 50,000 yuan for credit cards is a relatively large amount. If the amount is relatively large, Article 196 of the Criminal Law shall apply, and he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. Article 196 of the Criminal Law, a credit card crime involves credit card activities, and under any of the following circumstances, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.
Legal basis: Article 196 of the Criminal Law stipulates that if a credit card crime is committed in any of the following circumstances, if the amount of credit card activities is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
What should I do if I can't pay the money owed by my credit card?
You can negotiate the repayment method with the bank or extend the repayment period, or borrow money from relatives to repay. Credit cards should be returned within a limited repayment date. If the cardholder fails to repay the arrears on time within a limited period of time, it will be regarded as overdue, and the cardholder will not only pay a high penalty interest, but also his personal credit will be damaged.
If the credit card owed to the bank is really unable to repay, you can communicate with the bank and apply for deferred repayment or installment repayment. If the cardholder can't repay the loan on time due to unemployment, illness and other reasons, he can take the initiative to contact the bank to which the credit card belongs, explain his own situation, and explain that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.
Article 675 of the Civil Code
The borrower shall repay the loan within the agreed time limit. If the loan period is not agreed or clearly agreed, and it cannot be determined according to the provisions of Article 510 of the Criminal Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
What should I do if I don't pay back the money owed by my credit card?
If the credit card is in arrears, please refer to the following methods:
Use the minimum repayment function
Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill. For example, if you spend 10000 on your bill this month, the minimum repayment is only 1000 10% = 654438.
But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.
The direct impact is to produce bad credit records in the credit information system of the People's Bank of China, which will affect your future credit business such as loans and credit card applications.
Secondly, the bank will make a dunning;
Finally, if it is not collected for a long time, it will even violate the criminal law.
For the sake of your personal credit, I suggest you try to repay as soon as possible.
Article 196 of the Criminal Law of People's Republic of China (PRC), who engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
What if I can't pay my credit card back?
1. Liquidation of mortgaged assets: Although many people have no money, they have many realizable assets under their names, such as houses and cars. You can consider realizing the mortgage of these assets and obtaining repayment funds. Generally, it is not realized at the original price, so it will be a little loss. Suitable for people who owe a lot of money but can't really raise money, don't go to those who are at risk of being punished.
2. Frankly borrow money from home: you can't afford the credit card debt yourself, so don't hold on. It's best to confess with your family and see if you can get their help to repay them together. If there is no money at home, borrow it from friends and relatives. Write down the repayment time and interest, etc. Don't complain if you can borrow, and close people have no obligation to borrow.
3. actively negotiate repayment: even if the credit card has not been repaid, don't lose contact and run away. Don't miss the dunning call from the bank. If you have no money, you should also show your willingness to repay and see if you can negotiate repayment. If the bank says it will leave, don't panic. It will be an opportunity for those who are temporarily unable to repay. It will be easier to negotiate under mediation after the court session.
4. Open source, reduce expenditure and increase income: reduce unnecessary expenses and don't buy something that is not practical. The key is to work hard to increase income, do a good job, and make money through ways such as Didi and takeaway. Not afraid of more money, but afraid of no money. The more money you have, the easier it is to get out of trouble.
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What should I do if I can't pay back the money I owe the bank credit card?
1. installment payment. Applying for the maximum installment payment can not only ease the repayment pressure of the month, but also generate no more interest.
2. Select the function of minimum monthly repayment. The proportion of the minimum repayment amount is generally 10% of the total bill. As long as you promise to pay the minimum repayment amount every month, your personal reputation will not be affected and there will be no late payment fee.
3. Apply for deferred repayment, go to the bank to apply for deferred repayment, and specify the repayment date, then you will have a three-day deferred repayment time.
What are the legal consequences of overdue credit cards?
1, and high interest will be charged if it is overdue.
Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.
2. There will be a credit card late fee.
3. Bad credit records will be generated.
4. Time and duration may lead to litigation costs.
If the cardholder fails to repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the user overdraws 180 days and still refuses to repay, the bank will file a lawsuit, and the losing party will bear the litigation costs of the case. Generally, the bank will win the case if it asks the user to repay, so this part of the cost will be borne by the user.
5. Malicious overdraft requires criminal responsibility.
This is the end of the introduction about how to owe credit card money and how to owe bank credit card money. I wonder if you have found the information you need?