1. What should I do if my credit card debt cannot be paid off at once?

If your credit card is overdue and cannot be repaid in one lump sum, you can apply to the bank for installment repayment, but you must meet the conditions specified by the bank during the installment repayment. When applying for installment, you can apply directly through the bank’s telephone customer service or directly at the bank counter.

For credit card installment repayment, you can choose the number of installments according to your repayment ability. Generally, the more the number of installments, the more handling fees you will pay. However, after applying for credit card installments, the cardholder can return it in advance, which can save procedures. Fees will be paid, but the handling fees already collected will not be refunded.

If the cardholder cannot repay the loan on time even after using installment repayment, he or she can borrow money from friends around him to repay the loan, so as to avoid overdue payment. However, the cardholder must return the loan to the friend on time after borrowing money. This method cannot be used frequently, otherwise it will arouse the resentment of friends. It is best to promise a return date when borrowing money.

2. What are the criteria for filing a crime of credit card fraud?

1. Use forged credit cards, credit cards fraudulently obtained with false identity certificates, invalid credit cards, or fraudulently use other people’s credit cards to commit credit card fraud, with the amount exceeding 5,000 yuan.

(1) Finding other people’s credit cards and using them;

(2) Defrauding other people’s credit cards and using them;

(3) Stealing, buying, defrauding or Obtaining other people's credit card information through other illegal means and using it through the Internet, communication terminals, etc.;

(4) Other situations of fraudulently using other people's credit cards.

2. Malicious overdraft of more than 10,000 yuan.

If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed to be "criminal" as stipulated in the Criminal Law. Malicious overdraft."

3. Can I still apply for a credit loan if my credit card is overdue?

In principle, if your credit card is overdue, you cannot apply for any form of loan business, especially related credit products promoted by commercial banks.

Credit cards are overdue, which can mean that personal credit has been affected. Overdue credit cards are linked to personal sincerity. Overdue credit cards are a dishonest act. Once recorded in the personal credit system, it will inevitably have a huge negative impact on the overall assessment of personal credit.

If the credit card debt cannot be paid off at once, you can apply to the bank for an extension or installment repayment. If the credit card is overdue, you cannot apply for a credit loan from the bank. The main criteria for registering the crime of credit card fraud are that the amount of malicious overdraft exceeds 10,000 yuan or the use of forged credit cards exceeds 5,000 yuan.