My credit card of China Bank is now in arrears of more than 2, yuan, and the bank called for a reminder. But recently, the economy is tense, and it can't be repaid. What should we do?

if you don't repay on time within the agreed time, the bank will charge corresponding repayment penalty and overdraft interest, which will affect your credit information. It is recommended that you repay on time according to the bill.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

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What should I do if I can't repay my credit card now?

I must return it on time after I use my credit card every day. Failure to return it on time will have a lot of impact. So what should I do if I can't repay my credit card now that I owe more than 2,? In fact, when an individual is unable to repay his debts, he can apply to the bank for deferred repayment. Usually, he needs to submit relevant certificates to explain his difficulties, and then the bank and the cardholder will reach a new repayment agreement.

If you are unable to repay more than 2, credit card debts, you can consider the installment repayment or the minimum repayment amount provided by the bank. If the above repayment methods can't be repaid, you can consider borrowing money from your friends, so as to avoid overdue. However, when you can't repay the arrears on time, you should find ways to increase your income in time to avoid continuing to fail to repay them on time next time.

in order to avoid the situation that the credit card can't be returned on time after use, users can think about what kind of income they want to return in advance when using the credit card, and then use the credit card according to their own income. Usually, the monthly consumption limit of the credit card does not exceed 5% of the monthly income, so that the credit card can be returned on time after use.

if the credit card cannot be returned on time after use, there will be many impacts, among which penalty interest will be generated after it is overdue, and the longer the time, the more penalty interest will be, and the bank will collect it after it is overdue. If it is not repaid for a long time, the bank may++borrow money and must return it after the subsequent++judgment, otherwise it will be enforced.

the overdue repayment of credit cards will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect the subsequent handling of various loans. Moreover, after the arrears are returned, the overdue record will continue to be kept in the credit information for 5 years, and will automatically disappear after 5 years. If it is not returned, this overdue record will always be recorded in the credit information.

in order to prevent excessive consumption of credit cards, users can determine whether the goods they buy are what they need most when shopping with credit cards. Because in real life a lot of consumption is impulsive. If you can't control your desire to spend, users can take the initiative to apply for reducing the credit line of credit cards, so as to avoid excessive consumption.

is it too much to owe more than 2, credit cards? Feeling so stressed?

Actually, there are not many credit cards that owe 2, yuan. It is very good that you can realize that this is a pit when you are 2, yuan. Let's see how we can repay it first. First, the family helps to repay, but they can no longer overdraw their credit cards. Second, if you can't afford to repay it now, you can do it in installments. If you do it in six months, you will probably repay about 4, yuan each month. I think that this repayment can be done in 12 installments, so it needs to be repaid about 2 per month, which should be acceptable. It is not recommended to do 18 or 24 installments, because the longer the number of installments, the more interest will be, but don't increase your debt during this period. Personally, it's best not to use a credit card, because it's an overdraft for tomorrow's money, so what should I do tomorrow? So if it is not necessary, it is best not to use it. It is said that the collapse of adults begins with borrowing money, and it is best not to use it.

I made the repayment plan for you in the video below. Please check

The credit card with more than 2, yuan is not high in amount, but personally, it depends on your income source. However, since it has been used, the following points should be noted

1. It is not recommended to do staging without staging, and the cost of staging is high, and the credit card debt algorithm is different from the loan algorithm. Generally, banks calculate liabilities according to 1% of the used amount. If the subsequent credit card limit is not enough, it will have a greater impact on the loan. Use the bank loan in the correct order of financial leverage-credit card-online loan or++++,but don't touch online loan or+++unless absolutely necessary;

2. If it is a credit card of multiple banks, it is suggested to make a reasonable adjustment to the repayment date to reduce multiple repayments at the same time, which will cause the capital flow to be cut off;

3. Apply for a bank loan if you can, and use the future funds to reduce the pressure at this stage. Remember that it is not an online loan or+++,but about 1% of the cost of bank funds.

Hello, I am glad to answer your question. You are under great pressure with more than 2, credit cards, which means that your income is too low or your expenses are too high.

to tell the truth, young people who owe tens of thousands of credit cards are now caught in a large number, and hundreds of thousands are not rare, including me. Before starting a business, I owed hundreds of thousands, all of which belonged to relatives and friends, as well as online loans and credit cards. You should plan your debt carefully, find ways to increase your income and do some sideline business. I have paid back more than 2, yuan now, and there are still several credit card repayment software, all of which are paid in full. You don't have much debt, so you will go ashore with a little effort.

Seriously, a 2,-yuan credit card is really nothing. Although you feel stressed, it may be different for everyone. Some people may feel stressed, while others may feel nothing.

In fact, if you work hard on your own, you can basically pay back the credit card of more than 2, yuan in two or three months. Otherwise, you can pay it off in half a year. I feel stressed, in fact, it should still be the problem of your low income. Only when the income is low will I feel stressed.

I owe about 15, yuan on my credit card, which is more than you. Now I rely on the recommendation of my bank friends. I still have the software. In my own words, because there are still online loans to be repaid, the income is still limited after all, and the two can't afford it at the same time, so now it is the online loan that is repaid first, and the online loan will be paid off with 3, yuan. Because it was also a total debt of 4, before. So now you just have to get over it, work hard and make money. I don't think it's difficult to pay off this more than 2 thousand.

The credit card debt of more than 2, yuan is really not much, but I think we can pay attention to some problems.

1. You must have a job and earn money, and you can't borrow more and more. What you are afraid of is snowballing, and it won't be 2, yuan, but 2, yuan. At that time, it won't be a job.

2. If you feel stressed, see if you can borrow it from your friends or family, pay it back first, pay it back slowly at work, and don't touch the online loan, which is also a bottomless pit.

3. Personally, I suggest that you pay the bill in installments within your ability to repay it. You can pay back the rest as much as possible after deducting the necessary expenses from your monthly salary. If your monthly salary is 4,, you can divide it into 12 installments, and if you have 3,, you can divide it into 24 installments. Of course, the more installments you divide, the more interest you will get.

4. If it is divided into stages, you can remember the billing date and repayment date and make a good plan. It is best to remember the income and expenditure and make a good plan, so as not to be overdue.

The most important thing is to earn money every month, so it will be paid off slowly. Don't think about continuing to borrow money to live. It's really endless. You can pay off 2, yuan in a year by finding a job casually. Keep your mind straight. It's nothing. Come on! ! ! ! !

if you sort out the bills reasonably, you can pay off the bills reasonably with more than 2, credit cards and 1, credit cards.

The pressure caused by liabilities varies from person to person, and the liabilities vary according to the situation. Some liabilities are desirable!

generally speaking, let's see if your income source is stable. Twenty thousand yuan for a credit card is really not too much. If there is no stable income source, the situation will be very bad. If you can't change the money on time every month, it will be overdue. If it is overdue, you will upload personal credit information, which will affect your subsequent loan application and related financial business.

what is personal credit reporting? Personal credit information is a voucher for every citizen and institution in China to reach a certain credit information. Take the overdue credit card as an example. If your income is not stable and you need to repay it on the 5th of each month, you will delay it until the 1th, so it will be overdue for 5 days, and the specific overdue time, amount, repayment time and so on will be displayed on the credit information. This overdue record will always exist until the People's Bank of China updates the credit information, which will have a lot of impact. Therefore, it is said that you must repay it on time, and the total credit card debt of 2, yuan will be lost.

is it too much to owe more than 2, credit cards?

Actually, it's really hard to say this question. This question involves many factors, such as your monthly salary, even your family income, and your current state.

If you are a person with a monthly income of more than 1, yuan, in fact, more than 2, credit cards are not too much, even normal for you. I believe you will overdraw your credit cards because of something urgent. In other words, what if you are just an ordinary wage earner? Then more than 2, credit card debts may be a little too much for you. After all, at present, prices are still quite high, and maybe your pressure is quite high. This also depends on whether you have a family! If you have a family and a wife, and then both of them have jobs, the salary may not be high, but it's nothing for you to owe 2 thousand yuan on a credit card. It's generally not that stressful or too much for you.

Generally speaking, the credit card itself is actually an emergency reserve fund for everyone, so don't use it if you can't use it. You can measure your repayment ability first. If you think you can afford it, you can use it temporarily. If you can't afford it, you are advised to control your consumption.

The credit card owes more than 2, yuan. What should I do if I can't repay it now?

If I can't repay it, the debtor can apply online to stop the interest payment, and can only repay the principal in installments, so as to return to normal life and lengthen the repayment period.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

second, the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Specification for English Translation and Writing in the Field of Public Service was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

fourth, the object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

5. Generally, the application method is to fill in a credit card application form, which generally includes the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

VI. The application forms are attached with a credit card use contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have the applicant's autograph.

what should I do if I don't get my credit card for 2,?

If the credit card is not paid up to 2, yuan, it can be repaid by installment, and credit card++activities can be carried out. A malicious overdraft of 5, yuan but less than 5, yuan is a huge amount; The standard for the huge amount of credit card++is more than 5, yuan and less than 5, yuan; 1. Using a forged credit card; 2. Using an invalid credit card; 3. Fraudulent use of another person's credit card; 4. Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. ++credit cards used together shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Will you go to jail if you owe more than 2, credit cards?

If you owe more than 2, credit cards, you may not go to jail. For those who maliciously overdraw more than 1, yuan, they are suspected of the crime of credit card++,and the law stipulates that they should be filed for prosecution and investigated for criminal responsibility. However, if all the overdraft interest can be repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. If it is not a malicious overdraft, the cardholder will be civil++,demanding repayment of the arrears, and will not go to jail. If you are unable to repay, you can negotiate with the bank to repay by installments or postpone repayment, so as not to bear legal responsibility.

credit card++activities are carried out according to Article 54 of

Provisions on the Standards for Filing and Prosecuting Criminal Cases under the Jurisdiction of Public Security Organs (II) [Credit Card++Case (Article 196 of the Criminal Law)]. Anyone who is suspected of one of the following circumstances shall be put on file for prosecution:

(1) Using forged credit cards, using credit cards fraudulently obtained with false identification, or using invalid credit cards.

(2) Malicious overdraft, the amount of which is more than 1, yuan.

The term "malicious overdraft" as mentioned in this article refers to that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank.

if the amount of malicious overdraft is more than 1, yuan but less than 1, yuan, all overdraft interest has been repaid before the public security organ files the case, and if the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

That's the end of the introduction about how to owe more than 2, credit cards and what to do if they are overdue. I wonder if you have found the information you need?