How to deal with the credit card not yet

How to deal with the credit card not yet. Credit card overdraft behavior belongs to the relationship of debt.

The specific measures are as follows:

1. If the credit card has not been paid, the cardholder should take the initiative to contact the issuing bank, explain the facts and reasons for the current failure, and strive to obtain a grace period from the issuing bank;

2. If the credit card is not paid, if there are fixed assets, you can provide fixed assets as a guarantee to try to re-establish the repayment plan;

3. If the credit card is really overdue and the issuing bank refuses to postpone the processing, the cardholder can't take a passive approach. You can pay off the credit card debt first by finding someone else to turn around, so as to avoid being picked up by the issuing bank.

The main features of the credit card are:

1. The credit card is one of the fastest-growing financial services at present, which can replace the traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

Credit card processing needs to meet the following conditions:

1. First, citizens over the age of 18 with civil capacity are required.

2. A stable income is required, and proof of income is provided, which proves the repayment ability and is used for reference in setting the credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card, and the process will be much easier.

3. Personal credit information should be good, with no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation, such as security guard, self-employed, farmer and so on. However, Xiao Bian learned that some banks have launched "Huimin cards" for farmers.

generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card business specifically for college students. This is unconditional credit card processing, and college students only need to bring their personal documents and student ID cards to the bank for processing.

6. To receive a card in the name of an individual, people from other places and overseas and officers in active service should present a temporary account issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit with guarantee conditions or a guarantor with a local account and working in the local area.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

what should I do if I don't pay back my credit card?

According to the Interpretation of Several Issues Concerning the Specific Application of Laws in Criminal Cases of Impairment of Credit Card Management jointly issued by the Supreme People's Law and the Supreme People's Procuratorate, it is claimed that the bank's failure to repay the two collections in March is a malicious overdraft.

according to article 196 of the criminal law of the people's Republic of China, "malicious overdraft" is a crime of credit card.

1. Article 266 of the Criminal Law, if the amount of public or private property is relatively large, it shall be sentenced to not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, it shall be sentenced to more than ten years or, in addition, a fine or confiscation of property.

2. Article 196 of the Criminal Law stipulates that if the amount of malicious overdraft is more than 1, yuan but less than 1, yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1, yuan but less than 1 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

Extended information:

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumed money is not deposited into the designated account in full and on time.

generally speaking, banks will charge a certain amount of interest for overdue repayment, which is different from bank to bank, and it is generally five ten thousandths of interest. However, the starting date of interest should be calculated from the date of consumption, not from the date after the last repayment date.

It is suggested that if you haven't paid the full amount, you can pay the minimum repayment amount first, which will not affect the credit limit. At the same time, there will be a buffer period, so that the bank can know the capital flow in your account in time and the account will not be frozen!

when the credit card (credit card) holder chooses the minimum repayment method or uses the card exceeding the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and shall pay the overdraft interest calculated at the specified interest rate from the bank bookkeeping date.