1. What are the consequences of being forced to cancel the credit card after it is overdue?

If the credit card is forcibly cancelled after the deadline, it will become a black account. From now on, you will be put on the bank's credit blacklist, and you can't use this card or apply for other credit cards.

In addition, loans will be banned. If you want to apply for a loan to buy a car or a house in the future, you'd better avoid the above situation. Once the account is forcibly closed due to overdue, you will be prohibited from applying for any loan. Not to mention car loans and mortgages, even ordinary loans are hard to get.

In addition, it will also affect children's schooling. To the point of being forced to cancel the account, Lao Lai will definitely not be able to run away. Lao Lai's children are not allowed to attend expensive private schools.

Second, how to pay back the money when the credit card is forced to cancel after the deadline?

If your credit card is forcibly cancelled, then you can't use it directly to pay back the money. If you can remit money to the credit card through mobile banking or online banking, it shows that the account does not exist or has been cancelled, there is no way to transfer money.

At this time, you need to call the bank customer service staff, transfer to manual customer service, explain your current situation to the bank customer service staff, and let the staff help you provide a new repayment channel.

Or you can go directly to the local outlet, ask the counter staff to explain the situation, and then return the money according to his instructions.

3. Will compulsory cancellation of credit cards be prosecuted?

It is possible to be sued for forcibly canceling the credit card within the time limit.

Under normal circumstances, if it is overdue for three months and still fails to pay the money after repeated effective collection, it may be subject to legal sanctions. If you owe tens of thousands or more, the possibility of being sued by the bank will greatly increase.

Of course, if the amount you owe is only a few hundred or thousands, and it is below 1 000 yuan, the bank will not sue you. Forcing the other party is also a warning to you, indicating that your overdue situation is already very serious. So you won't be sued by the bank, but your personal credit will run out and it will be difficult to get a loan in the future.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.