What should I do if my business card is overdue due to the epidemic?

How to deal with the overdue business card due to the epidemic is as follows:

1. Pay off the debt in time and proactively explain the situation to the bank , keep the account status normal.

2. Do not cancel the card. If you cancel the card, you will lose the opportunity to repair your credit. After it is overdue, you need to continue to use the credit card normally, spend more, repay on time, and replace the overdue record with a new repayment record.

3. Don’t lose contact after the due date, and don’t let the bank think that the user has malicious overdrafts and arrears, otherwise the bank may complain.

What are the consequences of an overdue credit card for civil servants?

The consequences of an overdue credit card are:

1. The bank credit card bank center will charge late fees and interest:

1. The late payment fee is calculated based on 5% of the unpaid portion of the minimum repayment amount, and the minimum charge is RMB 10 yuan or 1 US dollar

2. At the same time, the bank will also charge 0.5% of the entire bill per day. Interest.

2. Impact on credit

1. If it is overdue within a month, it is considered overdue once. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If you are overdue 3 times in a row or 6 times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If you are overdue for a certain amount and time, the bank will freeze the credit card.

Legal basis:

According to the regulations as follows:

Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and has been If the card-issuing bank fails to return the card more than three months after two calls, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

If any of the following circumstances occurs, it shall be deemed as “illegal possession for the purpose” as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) Knowingly not possessing A large amount of overdraft due to the ability to repay the loan cannot be returned;

(2) The overdraft funds are squandered wantonly and cannot be returned;

Will overdue credit cards affect the political review of civil servants

Overdue credit card Overdue credit card may affect civil servants’ political review. Generally, overdue credit card will only affect your personal credit report. There are relevant overdue records on it. However, if the credit card is overdue, the consequences will be more serious and overdue penalty fees will be incurred. If personal credit smearing involves credit card crimes, you will be punished by criminal law, which will naturally affect the political review of civil servants. Civil service political review generally emphasizes that candidates have progressive thoughts, good moral character, decent style, and strong organizational discipline and legal concepts. The political review of civil servants is carried out after passing the physical examination. There are two methods of political review, namely face-to-face review and letter review

Legal basis

Article 4 of the "Civil Service Political Review" and the political review The content includes: political and ideological performance, moral character, work ability, work performance, shortcomings and deficiencies, avoided relationships, and direct blood relatives and collateral blood relatives that have a significant impact on the person.

As for civil servants’ political review, there are overdue credit card records and online loan overdue records. Now that they have all been paid off, will it affect the political review?

No impact.

If late payment will affect the political review, it must be based on legal provisions. One of the contents of the civil servant political review is to check the user's credit report. If the overdue records are not included in the credit report, the overdue record will not affect the result of the political review. As for the credit report on overdue records, the overdue situation is more serious, so overdue will directly affect the results of the political review. In order to prevent overdue records from affecting your personal credit score, please pay off the overdue debt as soon as possible after it is overdue. As long as the overdue payment is not malicious and the debt is paid off in a timely manner, although there is an overdue record in the credit report, it will not have an impact on the political review.

Extended information:

Political review standards for civil servants:

The political review of national civil servants mainly emphasizes that candidates have progressive thoughts, good moral character, decent style, and strong organization Discipline and legal concepts.

Generally, a person who has any of the following circumstances will be deemed to have failed the political examination: someone who speaks and acts against the Four Basic Principles; someone who engages in bad behavior such as hooliganism and theft and has a bad moral character; someone who is suspected of a crime that has not yet been investigated; someone who is a direct blood relative or someone who has a negative influence on the person. A collateral blood relative who has a greater influence is engaged in activities that endanger my country's national security abroad or abroad, and I cannot distinguish between them; any of my direct blood relatives or collateral blood relatives who have a greater influence on me have been sentenced or are serving a sentence; for the purpose of To ensure the smooth progress of the recruitment assessment work, various localities can set up temporary assessment work teams as needed to be specifically responsible for the organization and coordination of the recruitment assessment.

Will civil servants who have serious credit card debts be fired from their jobs?

Civil servants who have serious credit card debts will not be dismissed from their jobs; however, if their credit card debts are malicious overdrafts, they will be subject to criminal penalties. , will be dismissed from public office.

According to Article 17 of the "Regulations on Punishment of Civil Servants of Administrative Agencies", civil servants of administrative agencies who have violated the law and have been sentenced to punishment, dismissed, dismissed or resigned from leadership positions before the administrative agency makes a decision on punishment shall be punished in accordance with the law. If sanctions should be imposed, the administrative organs shall impose sanctions based on the facts of the violation. Civil servants in administrative agencies who are sentenced to criminal penalties in accordance with the law shall be dismissed.

Extended information:

Article 196 of the "Criminal Law of the People's Republic of China" and any of the following circumstances: if the amount is relatively large, credit card activities shall be punished If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 50,000 yuan. A fine of not more than 100,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than ten years or, in addition, a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Use Forged credit cards, or using credit cards fraudulently obtained with false identification;

(2) Using invalid credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.