The emergence of credit cards has eased the short-term economic pressure of some people, so that everyone can borrow money when funds are urgent. At the same time, it also allows some people to enjoy the benefits of early consumption, which reduces the risk brought by currency depreciation to a certain extent.

However, while enjoying this series of benefits, it will also face a series of risks. For banks, if cardholders can't repay after spending, they will face the risk that the arrears can't be recovered normally.

For cardholders, due to too many uncertain factors in life, once an accident occurs and the economy cannot operate normally, they will face the overdue problem brought by credit cards. Once overdue, it will affect the cardholder's normal credit investigation. If the overdue time is too long, they will also face the risk of bank collection and prosecution.

Faced with these phenomena and problems, after a long discussion, the state also released the latest solution policy in time. If you don't know the cardholder, be sure to look below.

For example, a large number of phone calls and SMS harassment, debtor's address book explosion, malicious disclosure of cardholders' private privacy, language and behavior threats to cardholders, etc. , are in violation of laws and regulations. If you encounter it, you can report it to China Banking and Insurance Regulatory Commission or call the police directly.

For those who are really unable to repay their debts in the short term, the state has also introduced relevant solutions. That is personalized installment repayment. For cardholders who are unable to repay in a short time due to financial difficulties but have a strong willingness to repay, they can apply for personalized installment repayment.

After the success of personalized installment, not only can the cardholder repay by installment, but also the short-term economic pressure of the cardholder can be alleviated, and the collection and interest increase can be stopped, so that the cardholder's repayment road can be smoother.

After the implementation of this new regulation, many people have also enjoyed this policy, such as transportation, Shanghai Pudong Development Bank and Minsheng Bank, which can handle the stage from 12 to 60. China Merchants and Guangfa can handle 12 to 48. Other banks also have their own different installment terms. If you need to handle it, you can call the bank customer service directly for consultation.