What should I do if I owe 150,000 to my credit card and haven’t paid it back in 3 years? Will the bank forget about it?

Some users with overdue credit cards have not processed their overdue repayments after the credit card expired. After a long period of time, the arrears increased, resulting in a situation where the arrears of 150,000 yuan were not repaid for three years.

Moreover, he did not suffer serious consequences during this period, so the user may think that the bank has forgotten his overdue situation.

If the user has an overdue debt in the bank, no matter how much the amount is, the bank will not forget your debt. If you do not repay it for one day, it will be a bad debt for the bank. , your overdue repayment record will be recorded in detail in the bank's system.

There have been no serious consequences for overdue users. This can only mean that the bank is temporarily suing you. Once you are sued by the bank, according to the sentencing standards for malicious overdrafts on credit cards, if you have not paid back 150,000 yuan overdue for 3 years, you will be charged. According to the law, he will be sentenced to fixed-term imprisonment of not more than 5 years.

Therefore, users must save themselves before the bank sues them to avoid going to jail for overdue credit card repayments.

If users want to solve their credit card debt problem, they can solve it through the following aspects:

1. Actively contact the bank to handle the problem:

Users must contact the bank immediately and express their intention to deal with the problem to avoid the bank suing them. Once sued, the consequences will be irreversible.

2. Apply for installment repayment at the bank:

It will definitely be difficult for the user to pay off the 150,000 arrears at once, so at this time, you can contact the bank to apply for installment repayment. Generally, As long as the user has an attitude of repaying the loan, the bank will basically agree to the user's application.

3. Transfer funds to family members first:

Users can transfer funds to family members first and settle their bank debts first to avoid causing more serious problems to themselves. as a result of. The funds will be returned to the family later.

4. Increase your income:

Before overdue credit card repayments are processed, users must find ways to increase their income and resolve their debts as soon as possible. For example, using part-time jobs in your spare time, etc. The earlier you pay off your credit card, the less impact it will have on you.

Finally, I need to remind all credit card users that they must not make late repayments on their credit cards. Going to jail for overdue credit cards does not scare people. It is clearly stipulated. Therefore, no matter what, when we use credit cards, Be sure to repay your loan on time.