1. What should I do if I owe too much money on my credit card?

1. Borrow money from relatives and friends to repay: If you just have a problem with cash flow, you can Temporarily pay off the debt through borrowing;

2. Apply to the bank for a deferral of repayment;

3. Apply to the bank for a suspension of interest rates;

4 . Negotiate with the bank to reduce the repayment amount. If the negotiation fails, you can sue the bank and obtain judicial reduction of credit card debt.

2. Will there be any negative records if the credit card is overdue for three days?

There will be no negative records if the credit card is overdue for three days, but if it is overdue for 15 days, it will basically be charged. Yes, overdue records on your credit report will affect commercial loans in the past five years. For example: loans to buy a house, loans to buy a car, credit cards, etc. Generally, only the credit report records in the past two years will be looked at. In addition, overdue credit cards will have the following consequences:

1. Liquidated damages, usually 5% of the unpaid portion of the minimum repayment amount.

2. High interest rates, and interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has repeatedly failed to make payment, you will not only have to bear the repayment, but may also bear criminal liability.

3. What to do if the online loan arrears are overdue and cannot be repaid

1. Apply for installment or extension, show your good willingness to repay, and apply to the lending institution for installment or extension There is room for negotiation regarding the risk of extension and relative non-repayment. If you really can't pay it back, you can ask relatives and friends for help. After all, this kind of thing is no joke. If you have friends who can help, you can still help solve the temporary difficulty.

2. If the online loan cannot be repaid, there are three specific steps to deal with it.

(1) The first step is to terminate all loans to support loans and seek understanding and help from family members. First of all, don't use loans to support loans. This will only make online loans more and more repayable, and all platforms will become overdue if they are overdue. Confess to your family and seek their understanding and help.

(2) The second step is to respond rationally to huge profit collections. Post a statement in advance in your circle of friends to explain to everyone the huge profit collection you are experiencing, apologize for the possible harassment, and suggest everyone cooperate to hang up these disturbing calls and leave them with new numbers to reduce the number of old phone numbers. use.

(3) The third step is to understand your own breach of trust, work hard and actively repay the loan. Check your credit through the credit reference center, and understand which online loans have been entered into the credit reference system and which ones have not been entered into the credit reference system, so that you know what to do and repay the loans in order. What's more important is to find a job and work hard to make money, and negotiate with banks or lending institutions to extend the repayment period or repay in installments.

If you are unable to repay your credit card debt, you should actively negotiate with the bank on how to solve it. For example, you can first explain your financial situation to the bank, that is to say, it is clear what the reason is. After that, you can propose an economically reasonable solution and a specific repayment plan to let the bank see that your repayment attitude is very sincere.