If the bank is willing!
If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist).
It is also possible that your credit card and malicious overdraft will be enforced. If you refuse to repay the loan in the later period and the amount owed exceeds 1 10,000, you will be sentenced for the crime of credit card according to Article 196 of the Criminal Law!
Article 196 of the Criminal Law stipulates that in any of the following circumstances, those who engage in credit card activities with a relatively large amount 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.
Malicious overdraft 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. You belong to the fourth situation.
Repay actively and avoid taking legal responsibility. Reasonable use of credit cards:
1, try not to withdraw cash, because not only do you have to charge a handling fee of 1%, but you also have to pay five ten thousandths of interest every day from the date of withdrawal. In short, the interest is very high.
2. Choose the date when you can get the longest interest-free period: on the second day of the billing date, because the consumption record on the second day of the billing date appears on the bill of next month, and the corresponding interest-free repayment date is also the last repayment date corresponding to the billing date of next month, so that you can enjoy the interest-free period to the maximum extent!
3. Buy bulk items, such as laptops, digital cameras and air tickets. You can call customer service in advance (the number is on the back of the card), apply for installment payment, and then find out which merchants your credit card bank cooperates with.
Installment means, for example, if you buy something with a price of 5,000 yuan, apply for installment payment and choose 10 (that is, 10 months) to pay it back. When buying, the merchant will take away all 5,000 yuan and charge a handling fee of several percent. You should discuss with the merchant how much to charge.
Then you owe money to the bank, not to the merchant. You have to divide it into 10 months, and only pay back 500 each month. There is no interest during this period! This not only reduces your repayment pressure, but also solves the problem of insufficient funds.
Will the overdue credit card 10000 come to collect debts? Here are some countermeasures!
In real life, if you don't pay back the money you owe, it is very likely that creditors will come to collect debts. Moreover, many people have overdue credit cards and owe money to banks, fearing that creditor banks will also come to collect debts. This is ok, but it depends on the amount and time of overdue. Then will the overdue credit card 1 000 be used to collect debts? Let's have a look.
First of all, we must make sure that the credit card is overdue by 654.38+00000, because the amount of 654.38+00000 is relatively large, and some people have already paid back 5000, not to mention 654.38+00000. But in technical terms, it's called home collection, not asking you for money directly, but urging you to return the money to your credit card.
Of course, this does not mean that overdue 10000 will definitely come to the door, but also depends on your overdue time. If the overdue time is short, only one or two days, not more than 30 days, it will generally not come to the door, and the bank will send a text message or call for collection. If the overdue time is more than 3 months, and the bank does not repay the money after two effective collections, it is waiting to be dunned.
Then, what should I do if my credit card is overdue?
1, don't be afraid
Many people are scared when they see the collection coming to the door. In fact, they don't have to do this. Although it is wrong to owe money, they can't be at each other's mercy. If the collector makes unreasonable demands, he must refuse, only accept legal and civilized collection, and call the police when necessary.
2. Avoid direct transactions.
No matter whether there is money or not, you can't directly pay the arrears to the collection staff. After all, you don't know whether the collector will return the money to the bank. If you have money, you can directly return the money to the credit card in front of the collection staff, and then show them the repayment voucher.
Step 3 collect evidence
If a debt collector comes to collect debts and acts violently, it is illegal. You can record and video when the other party comes to the door, which are effective evidence to prove the other party's violence.
What will happen if you owe 1 10,000 credit cards for four years?
Shit, I've been four years, so far I'm nothing. Life is still the same, nothing has changed except that I can't get a loan.
My credit card is four years overdue and I have been visited once or twice. On one occasion, two collections from Industrial Bank came to you. These two collections are made by a third party, and they are very arrogant. They came to my house and asked if so-and-so was there and when his money would be returned. I told them that I had no money now, and they asked me to go to the police station. I said let's go together. Because I know the law and I know the law, I know it's no use going to the police station when the credit card is overdue, so I can only sit down and talk. They basically call the police by a third party, all trying to scare you. If you go directly with them, they won't even dare to go. In the end, they had no choice but to take photos of my family and leave.
China bank credit card collection is the door-to-door visit of local bank salespersons, which is different from others. People said politely. People ask you what difficulties you have. If you have difficulties at home, they will help you apply for interest reduction. If you have temporary difficulties, you can negotiate installment repayment. Because you owe money, no matter how long, you will have to pay it back in the end, so you didn't escape. Now let's get to know the situation. Is it difficult? They are more polite, they speak well, and they are basically realistic. If they negotiate relief, they will also report it.
I'm four years overdue, and the most rubbish is Bank of Communications, which is super disgusting. Finding some third parties is the same as online loan collection, and the interest of Bank of Communications has risen infinitely. The People's Construction Bank is better, and the interest rate rises slowly. CCB now makes me pay bad debts.
It doesn't matter if the credit card is overdue. It's gonna be okay. Don't be fooled into saying that children can't read. There are two kinds of blacklists, one is credit reporting black, and this black can't be loaned. The second kind of blackness is that you are sentenced to blackness, and you are restricted to high consumption. It is possible that your property will be auctioned, but the probability of being auctioned is about 30%.
Online said that they can help you negotiate credit card repayment, and all the people who negotiate interest reduction are liars. All bank transactions must be conducted in person, without intermediaries. Even if the handling fee is reduced, the bank will negotiate with you.
Possession of a credit card with 10,000 yuan is generally not a credit card crime, and you will not go to jail under normal circumstances.
However, after all, it is money owed to the bank, not personal money. Banks have many ways to deal with this kind of thing.
The first consequence is that the credit information is hacked.
The blackness of credit reporting means that my business in the bank will be severely restricted in the future, such as loans and credit cards, which I basically dare not think about. In other occasions where credit information is needed, such as going to some places to participate in bidding, you need to show your own or my credit information record. This kind of thing is also unacceptable.
The second consequence is that interest and liquidated damages go up and have been recorded in the account.
Some banks will stop paying interest to a certain extent, but some banks will not keep raising interest rates. They have to deal with it later, and these interests need to be repaid together.
The third consequence is.
Now this kind of thing is impossible to win, the parties will be sentenced to repay interest, principal, late fees and liquidated damages, pay legal fees, bank lawyers' fees and so on.
The fourth consequence is enforcement.
After the case is enforced, the parties will be invited to tea. If they don't cooperate, fine detention is essential, and then the property under their name will be investigated to limit high consumption, and so on.
The fifth consequence is that refusing to commit a crime should be investigated for criminal responsibility.
As mentioned above, overdraft credit card, if the amount has not been hit, generally will not constitute a credit card crime. However, if it is a compulsory loan, and you have the ability to refuse to perform it, and the circumstances are serious, you may be suspected of "refusing to execute the ruling". If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years; if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years.
I set up a credit card in Shenzhen in 2008, and I have never paid back the overdraft of more than 3,000 yuan. Shortly after the financial crisis broke out, I left Shenzhen and changed my mobile phone number.
One day, the secretary of the village Committee suddenly sent a letter to my house, saying that I had committed a crime outside and should go to the police station as soon as possible to solve it, otherwise the defendant would go to court and go to jail.
I estimated that the interest doubled and there were too many late fees and liquidated damages, so I took the initiative to call the bank to explain the situation. Unexpectedly, the attitude of the female customer service in the bank is surprisingly good, saying that as long as the repayment can be exempted, it will be paid off within a few days.
I told the customer service that I didn't have that much money and could only pay back the principal. I also asked her who called our local police station. She replied that it was their lawyer and found the phone number of our village secretary.
I was worried about my bad reputation, so I returned the money the next day and told the secretary that the credit card cheated me, not me.
First of all, interest will always be calculated, and some banks still have penalty interest, that is, interest will be rolled over. Your total debt will snowball, and your principal is 65,438+00,000. After a few years, the principal and interest are likely to reach 35,000 or more.
Secondly, the initiative in civil litigation is always in the hands of the issuing bank, not recognized by the bank, but not cleared in your name. When the conditions are ripe, you will receive a summons at any time, and even if you refuse to appear in court, you can still make a judgment by default. If one day your bank account is frozen, don't be surprised, you have already filed a lawsuit.
Third, those who refuse to repay or are unable to repay can be investigated for criminal responsibility for credit card crimes. This is not a civil lawsuit, but a criminal case brought by the public security organ. You can refuse to contact or hide, but you may be wanted online. There are always people here who say that a friend owes 50 thousand and has never paid it back. Isn't he still handsome? You are bluffing! I can only say that this is not only a manifestation of legal ignorance, but also an encouragement to jump into the fire pit. In short, you are not arrested and imprisoned, but you are lucky, or you have been isolated from the world, or you have embarked on the road to escape. These are not reasons why you are confident, but excuses why you are willing to live in a dark corner.
Fourth, credit punishment. Credit cards overdue for more than 3 months will be blacklisted, without exception. Then there will be a chain reaction, and the invisible cage will bind your daily behavior. A person who owes a credit card and doesn't pay it back, but is proud of it or makes excuses, because he will never borrow money from the bank or apply for a credit card again, even if he buys a car, a house and a business in full; Do not enter high-end hotels and entertainment places; Don't take the high-speed rail, don't go abroad; If you are not looking for a job or are worried about your children's schooling and employment, you can certainly ignore the blacklist. You want to live in isolation, who can stop you?
A friend driving a Mercedes suddenly called me one day and asked him why he couldn't go to mortgage to buy a house. I asked him if he had a credit card, but loans overdue still didn't return it. He said hesitantly that more than 10,000 loans had not been repaid by credit cooperatives more than ten years ago. I asked him why he didn't return them. He is speechless, and so am I. Questioners always look for shortcuts or excuses to avoid responsibility and punishment, but never think about how to fulfill their life contract. I don't know whether to sympathize or lament.
If you only owe 1 000 yuan, and it has been four years, it has little impact, but you can't borrow money in the future. Here are some specific situations:
First, negotiate repayment
If there is no repayment for four years, the amount is not large, and the bank itself knows that it is difficult to recover the money. Basically, as long as you are willing to repay, the bank will agree. At this time, you will be liquidated damages, interest will be reduced, and only the principal will be repaid.
Two. As a bad debt
This situation is most likely, because it is not large and has been a long time. In four years, you must have collected it many times, but you still haven't repaid it, and the cost is relatively high. Even if you win the money, you may not get it. Then it is possible to classify the money as bad debts. In addition, in the collection process in recent years, if you have a bad attitude and just don't pay it back, then the bank customer service will also list you as a bad debt. Once it is listed as a bad debt, it will be permanently displayed on your credit report. You will never deal with banks in your life. You are ok at this time, but you want to repay the loan and restore the credit report. You have to put in a good word for the bank and ask them to open a repayment channel for you. After repayment, the account will be destroyed. Sometimes banks don't care about the money. If you have a bad attitude, you will always list it as a bad debt.
Three.
It is also possible. The bank may not give you 10 thousand yuan alone, but it may be in batches. If you don't pay back the money in the future, you can apply for enforcement and freeze your own bank card, WeChat Alipay, etc. If you have money, you will be deducted until you pay it off.
Four. Debt transfer
It is also possible that the bank will sell your debt to a third-party company, such as a qualified company at a 50% discount, and then your debt will be transferred to a third-party institution. At this time, the bank will not take care of this debt, but the third-party company will ask you for it.
All the above situations are possible, but according to your question, 10 thousand yuan has been four years, and the biggest possibility is that it is classified as bad debt. If you don't deal with the bank in the future, it won't affect you, but it is recommended to negotiate with the bank to pay it off. People will inevitably encounter various situations in this life, and it does not really mean that they will not deal with banks all their lives.
First of all, did you withdraw the money from your card at one time? If not, congratulations, not far from sin. Second, is the information filled in at that time true? If so, congratulations again, it's a little far away.
Third, your phone number hasn't changed. You don't have to answer all the bank calls, but you must answer them occasionally.
If you do these three things, congratulations, basically you didn't commit a crime. Your amount is 1 10,000, less than 50,000, which is not enough to commit a crime.
Failure to repay for four years does not mean bad debts. It's just that the bank hasn't paid you yet, and it will find you one day. You can't get rid of this account. As for the credit investigation, forget it, black household. All your activities dealing with banks are basically impossible.
When your bank card suddenly fails to work that day, it means that the bank wants your money and the money in your own card will be frozen.
Finally, just wait, and then negotiate repayment to reduce interest and fines.
In recent years, due to national policies, banks have adopted appeasement policies, that is to say, people will not be arrested easily if they don't pay back the money, because previous experience tells banks that people without money can't be arrested and will not pay back the money after serving their sentences. Therefore, we see that many people now owe money to bank credit cards, and there is no other punishment except being harassed by collection. But ten years ago, they arrested a group of people when they had nothing to do, and they had to pay a fine for paying back the money. I paid a lot of money back because I couldn't pay the fine. Not to mention directly catching those who don't pay back the money. In fact, there is only interest here. Let me talk about the procedures that credit cards need to do to arrest cardholders. It's actually quite complicated. The most important thing is that banks must cooperate.
I owe the bank a credit card of 10 thousand, which has not been paid back for four years, and the bank confiscated it almost a year ago. It can basically be confirmed that it has become a bad debt.
The biggest impact of bad debts on you is the credit problem. Because this debt has not been paid off, a bad credit record will accompany you for life. Some people say that credit records are not updated every five years. Isn't the bad credit record automatically eliminated after five years? Yes, credit records are updated every five years, but bad credit records can only be eliminated automatically if they are paid off for another five years. If the debt is not paid off, the bad credit record will never be eliminated, so you will never get any loan from the bank in your life.
Who will say that this bad debt can't be repaid when I have money in the future? As for the bad credit card loan, the bank will cancel the cardholder's account and your account will not exist. If you want to repay in the future, you need to apply to the bank first, and it is hard to say whether the bank will agree. Even if you agree, the procedure is complicated.
Therefore, there is really no way to pay off the credit card debt. If you have the ability, you might as well pay it off.
If the credit card is overdue 1 0,000 years, the worst result is that if it is a bank or becomes a bad debt, you don't have to pay it back.
National credit cards are overdue by hundreds of billions, and banks handle a batch of bad debts every year. If the bank's bad debts are higher than the percentage required by the state, it will be fined. Therefore, in order to avoid being fined, banks will turn credit cards overdue for several years into bad debts, which means that banks will pay them back for you. If you still don't put a few dollars into your credit card, it means that it has become a bad debt.
Now is the era of credit investigation, 654.38+00,000 yuan is definitely on credit investigation, but it has no influence on your life. Even if the credit card is overdue for more than 50,000 yuan, as long as you have a real ID card, there is no overdraft for the first time, and both overdue are civil.
The interest and late payment fee of credit card overdue for 65,438+00,000 years must exceed the principal. If there are no bad debts, you can negotiate with the bank to repay the principal or repay it in installments for up to 60 periods. As for the 65,438+00,000, it's up to you. If you have money, you'd better negotiate with the bank. For 10000, it's really not cost-effective.
Bad debts have been written off. I don't want to change them.
What if the credit card owes more than 10 thousand
If you owe a credit card of 10,000 yuan, you can borrow it from your relatives and friends and pay it back first. Consequence of owing credit card money: 1, there will be a penalty interest if it is overdue, with a daily interest of five ten thousandths. 2. The bank will take it back. 3. If the bank fails to recover it, it will report the overdue information to the Personal Credit Information Center of the People's Bank of China. As a result, personal default information was reported by the whole financial industry, and it was impossible to apply for business from other financial institutions. As an individual, once personal credit information is hacked in the banking industry, the later days are actually very sad. You can ask the bank for repayment. Now you have no money to repay, but as long as you have money in your bank account, you will deduct it directly. 5. If it is not returned, it may be suspected of a credit card crime. You need to go to jail.
So much for the introduction of how to owe 10 million credit cards.