1. What to do if the Bank of Communications credit card is overdue for several years?

If the Bank of Communications credit card is overdue for several years, the first thing the cardholder should do is to pay off all the credit cards in time. The prerequisite for restoring your personal credit is that you pay off all your credit card debts.

There is no need to rush to close the account after paying off the debt, as this is not conducive to the recovery of your credit. The correct approach should be that cardholders can continue to use their credit cards for consumption normally and maintain a good repayment record. After two years, your new good repayment record will overwrite this overdue record. Then when you go to the bank to handle business, only your good records will be shown in the bank's system. This also restores your personal credit to a certain extent.

2. Can negotiations be negotiated if the Bank of Communications credit card is overdue for several years?

It is possible to negotiate if the Bank of Communications credit card is overdue for several years, but whether the negotiation can be successful depends on the specific circumstances.

When negotiating with Bank of Communications, cardholders must first explain their situation and show that they are not malicious in overdue payments, and must show a strong willingness to repay. At the same time, they must also show the bank that they are not malicious in their overdue payments. Overdue proof or proof of difficulty. This will facilitate better negotiations.

In addition, when negotiating with Bank of Communications for repayment, cardholders should not ask for repayment in five years at first, but should negotiate a reasonable number of installments based on their actual situation and agree on Come up with a repayment plan that is acceptable to both parties.

3. Will you be sued if a Bank of Communications credit card is overdue for several years?

Bank of Communications is likely to be sued if a Bank of Communications credit card is overdue for several years. The standard for Bank of Communications to prosecute users is three overdue periods. moon. Strictly speaking, during the overdue period, if you have two effective collections from Bank of Communications and have not repaid for three consecutive months, Bank of Communications has the right to sue you.

But if the amount you owe is relatively small, Bank of Communications will not go to great lengths to sue. For example, if you only owe a few hundred yuan, it is normal for you not to be sued by Bank of Communications for several years overdue. Although you won't be sued, your personal credit will be damaged.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.