1. What to do if the overdue credit card is not paid

1. Negotiate with the bank to postpone the repayment. Users can try to contact the bank staff to negotiate Deferred repayment.

2. Apply for credit card interest suspension. After the user's credit card expires, he can apply to the bank for credit card interest suspension. However, banks with interest-free accounts will generally not agree, unless the user can provide evidence of temporary inability to repay due to force majeure (bankruptcy, accident, earthquake, flood and other natural disasters), or the previous repayment record is good, and the overdue period is also Only by keeping in contact with the bank and showing a positive willingness to repay the loan will the bank agree to suspend interest rates.

Before the credit card is overdue, the borrower can directly apply for credit card bill installments, or use the minimum repayment, which can alleviate the repayment pressure without making the credit card overdue. Therefore, if users have difficulty repaying their credit card, they must apply for bill installment or minimum repayment before it is overdue, because these two functions will not be available after the due date.

2. How do banks deal with non-payment of credit card debts

For those who owe credit cards and are unable to repay, the card-issuing bank will naturally send text messages and call the other party from time to time to press for payment, and if it is overdue The situation will be reported by the bank to the central bank's credit reporting system, leaving a bad record in the cardholder's credit report. The bank will also charge penalty interest every day until the cardholder pays off the entire balance.

And if the cardholder does not repay the loan for a long time, the bank does not respond to multiple reminders, or even cannot contact the person. In addition, the amount of arrears is relatively large, the bank is still very worried. A lawsuit may be filed in court to obtain legal repayment from the cardholder.

If the cardholder fails to repay the loan after the court's judgment, the court may impose enforcement actions, freeze the property in his name, and deduct the funds from the bank card in his name to offset the debt. Or assets may be seized or auctioned and the proceeds used to repay the debt.

If the court also finds that the cardholder actually has the ability to perform and deliberately failed to fulfill his repayment obligations, it is estimated that the cardholder will be included in the list of dishonest persons subject to enforcement.

If you encounter an overdue problem, you must choose an appropriate solution based on the reason for the overdue. If the cardholder has difficulty in capital turnover and cannot repay the loan in one go, he can explain the situation to the bank and apply for an interest-free account with the bank. You can also indicate your actual situation to the bank, express your willingness to repay, and apply for deferred repayment with the bank to reduce your financial pressure.