1. The impact of overdue credit cards on loans

1. If your credit card is not overdue for a long time, pay it off immediately and maintain a repayment attitude. Two years after you pay off your balance, and after your credit information has been updated, the bank may lend you a loan.

2. If your credit card is overdue for a long time and leaves a bad record on your credit information, banks and other lending institutions will not be able to lend you money.

3. Another type of overdue impact on the loan comes from the spouse. If one spouse is overdue and has a bad credit record, it will be difficult for the other spouse to get a loan.

2. What are the consequences of an overdue credit card?

1. High interest, 0.5% interest per day, and a late payment fee of 5% of the outstanding balance. In other words, your debt is increasing every month, so you have to pay back a lot of money for nothing.

2. After the bank reports to the central bank overdue, it will affect the credit information. Once credit information is compromised, loans and travel will be restricted, and even families will be affected.

3. If the cardholder refuses to repay and is overdue for more than 90 days, the bank will take legal measures to recover the arrears. Once the cardholder loses the lawsuit, in addition to paying off the debt, he will also have to pay the bank's legal fees. And if the court considers the overdraft to be malicious, there is a risk of jail time.

3. What should I do if my credit card is not enough?

1. Don’t disappear and refuse to answer the bank’s phone calls. This will make the bank think you are maliciously overdrafting and reduce the success rate of negotiation with the bank.

2. Actively communicate with the bank, design a repayment plan, explain the reasons for overdue payment, and apply to the bank for installment repayment or interest suspension.

3. If the deadline is overdue due to special reasons, such as natural disasters, sudden diseases, etc., materials can be prepared in advance to increase the success rate of negotiation.

4. If all these are prepared, but the bank is still unwilling to negotiate, you can prepare to keep evidence, such as telephone recordings, recordings of negotiations, etc. , and complained to the bank.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.