Based on my experience in the industry, I would like to remind you that the most important thing is to keep your phone open. Many friends do stupid things such as changing their phone number and address because they are temporarily unable to repay their debts. The method must not be advisable! ! !

What you should do most now is to actively cooperate with the bank in negotiating repayment, rather than deliberately evading it.

Your current debt is not a small amount. If you deliberately avoid it, this is a very poor approach. Doing so will make things worse. Here are some suggestions for you:

First, if you have relevant assets that can be auctioned, don’t hesitate to sell the car or house directly and use it first to pay off the credit card bill.

Second, if you can borrow money from relatives and friends and repay the money, then I suggest you borrow money from relatives and friends. In this case, don’t be embarrassed, and you must lose face and borrow it. Money, after all, you don’t have to pay too much interest when borrowing money from relatives and friends, and you don’t have to face high penalty rates.

Third, do not listen to others using credit cards to repay credit card bills or borrow new loans to pay off credit card bills. Your current debt amount is relatively large, and the approach of tearing down one wall to pay for the other will not work at all. Doing this will only make you sink deeper and deeper, and eventually you will be unable to extricate yourself.

Fourth, if you cannot borrow money from relatives and friends, and there are no relevant assets in your name that can be auctioned, then don’t deliberately avoid the bank’s collection, let alone not pay back any money. , this can avoid the suspicion of malicious overdraft on your credit card.

Fifth, actively negotiate with the bank to see if it is possible to suspend the interest rate and make repayments. However, the amount of your debt is relatively large. Under normal circumstances, the bank will not agree to your suspension of interest payments, so you must communicate with the bank persistently, or wait for the bank to sue you to court, wait for the court to mediate, and then adopt a suspension of interest payments. Repay by hanging the account on account. This method means that the bank stops charging interest and then repays your credit card bill in installments, but the installment repayment period cannot exceed 5 years at most.

There are two situations here:

First, your family can help you, and it is easy to do. If your family is able to help you, come clean and let the family pay off the debt, this is the only way you can help because most gamblers end up with next to no chance of saving themselves.

Second, your family can’t help you

First, solve the credit card debt. It is best not to expire, because credit cards must be subject to a credit investigation, and the credit investigation is black, which will indeed have a great impact on the future.

It can be divided into several stages, and the minimum payment can be replaced by the minimum payment. If overdue payment cannot be avoided, try to make repayments in every settlement cycle, because you need to let the bank know that you are willing to repay, not to avoid repayment, but to temporarily lack the ability to repay. If you are overdue for a long time, the bank will definitely charge you money. You still have to answer every call.

It is best to explain your current situation and show your attitude and capabilities. The bank should try to negotiate as much as possible. If you can't negotiate, you can only delay first. But one thing is, you can't avoid credit card charges. In fact, what we fear most is credit card fraud. We were worried about going to jail for it. According to new laws and regulations, if the overdue credit card amount exceeds RMB 50,000, you may be suspected of credit card fraud.

If the overdue amount is less than 50,000, it will not even meet the standards for filing a case. This is entirely a civil liability. You don't have to worry about going to jail, even if the overdue amount is more than 50,000, one of them is knowing that only those who have no malicious overdraft ability can be involved in credit card fraud. In addition, malicious overdrafts are difficult to identify. It’s not that we don’t repay, but our current repayment capacity is insufficient. Of course, there are many overdue credit cards in China every year, and it is impossible to call the police.

After all, there are very few people who actually ask the bank to call the police. The purpose of the bank is to make you repay the money, not to let you repay. You are in jail, but we must be clear that the money owed to the bank requires a Repaying one after another is inevitable. The rest, you just want to make money to pay back the money. If you want to know your net loan credit status, you can take a net loan big data and check your credit status in Huarui Data's public data to see if your ID card and mobile phone number are at risk, as well as your net loan History.

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I have 10 credit cards and the total amount I owe is as high as 250,000. There are so many banks involved and the amount is quite large. It looks really scary. We feel numb, confused, and stressed out, but as long as we sort out our thoughts and prioritize, it will also have a very good relief effect.

First of all, outline the main points and focus on the big ones and let go of the small ones. How to say it, what does it mean? Because the current background is that we are indeed unable to repay the debt, should we all bear it? Apparently not. According to the judicial interpretation of the Supreme People's Court and the Supreme People's Procuratorate on obstruction of credit card management, if the same bank's credit card overdraft exceeds 50,000 (principal), is overdue for more than 3 months, and still refuses to return it after two or more effective collections, it is suspected of credit card fraud. crime. Once a criminal case is filed, you may be sent to jail and lose your freedom. How can you still have a chance to make money? You will fall into a vicious cycle, getting deeper and deeper. Therefore, you must first check whether the total amount of overdrafts in the same bank exceeds 50,000. If you want to reduce the amount of this debt to less than 50,000 even if you try to sell it. In other words, the risk of filing a criminal case must first be transferred to civil litigation, so that you can make money while you are free, so as not to completely lose the source of repayment.

As for debts below 50,000 (from the same bank), you need to face bank collection with a positive attitude. Overdraft is a fait accompli, and debt is a fact that cannot be changed. It is natural to pay back debts, but do not give in, let alone malicious escape, such as losing contact, running away, or deliberately transferring property, etc. Accepting debts does not default. This is manner. The creditor's call to collect is fair and aboveboard, and there is nothing wrong with it, but you turn off the phone or even change your number? You are obviously rich, but you pretend to be poor and act like a fool? What kind of attitude is this? People who deliberately break their trust will only force the bank to take legal action in the shortest possible time, which will not help them at all.

At the same time, you need to master the skills of friendly negotiation with the bank. According to relevant regulations of the China Banking and Insurance Regulatory Commission, cardholders whose credit card overdrafts are overdue and temporarily unable to repay can negotiate with the card issuer to develop a personalized installment repayment plan. The negotiation period is up to 5 years, and the negotiation content includes the monthly repayment, as well as the reduction or exemption of interest and liquidated damages. Under the premise of being honest and honest, if the cardholder's situation is true and special, it is entirely possible for the bank to make some concessions, because their ultimate goal is to recover the funds, not to bring the person to justice. This needs to be understood.

Of course, even if an installment repayment plan is reached through friendly negotiation, under normal circumstances, overdue is certain, and if it is overdue for more than 3 months in a row or more than 6 times in total, it will enter the credit blacklist. Lists are inevitable. Don’t be naive and think that if I am willing to repay the loan and actively cooperated with the bank, and have a correct attitude, then I will not record it on my credit report. It is impossible! In any case, you breached the contract first. Since you breach the contract, there will be responsibilities and consequences. Credit card credit lines are all issued in the form of credit loans without any guarantee or mortgage. If there are no restrictions, who would be willing to take the initiative to repay? Hasn’t the bank become a charity, and why should it be considered a business? Therefore, being in debt is not a scandal. As long as you don't avoid it, don't get discouraged, and work hard to make money to repay it, all difficulties can be overcome. It should be regarded as a lesson.

After the Wuhan epidemic, there will be a large number of people born in the 1990s who are heavily in debt and rely on credit cards to live in collective discomfort. I have a debt of 400,000, and I am planning to negotiate with the bank in the past two days. When the epidemic is over, I will increase my side business. , multiple channels of income, first pay off the online loan, step by step, as long as you are willing to work hard and change, you will be able to get a job as soon as possible

I owe 250,000 yuan on 10 credit cards and cannot repay them, what should I do? ?

My point of view: Do everything possible to repay part of the credit card, and then negotiate with the bank for the rest to try to repay only the principal and let the bank reduce the penalty and interest. This is the U.S. dollar penalty and interest, usually The repayer has a correct attitude, his credit record has been good before the debt was owed, and the debtor is indeed unable to repay the loan. There is a 90% chance that the bank will agree to the reasonable demands of the debtor.

If you have real estate, or a car or other real estate in your name, it is recommended to sell the car, especially the car. First, selling the car can help solve your immediate needs, and at the same time reduce your expenses, because a car No matter how much the car is maintained, it costs nearly 20,000 yuan a year.

Don’t take chances or even act rogue. The bank has thousands of ways to find you and set up obstacles for your future life. Now that you owe money, you can only face it in a positive way. The 250,000 owed The loan is not large, and you may be able to pay it off within the next year if you work hard, but you cannot permanently ruin your personal credit because of temporary difficulties.

The limit of each credit card is calculated on average, it is at least 25,000, and most likely is 30,000. This credit limit actually reflects that the economic conditions for the money you owe are good. I had 5 credit cards 3 years ago, the highest one was the China Construction Bank Credit Card. My limit was generally 20,000, not more than 24,000, and I own a car and a house, which may be why I don’t use them often. In 2018, I calculated that even if I added up to 5 overdrafts, it wouldn’t be much. The key is that I don’t have the habit of overdrafting, and how many purchases must be made on a credit card each year to avoid annual fees. In this case, I canceled all the cards. , only China Construction Bank is left, and the CCB credit card is mainly because it is bound to the car's ECT, otherwise all will be cancelled.

So when it comes to credit cards, I have always advised young people not to use credit cards all the time. It is a trap. Once you develop a habit, it will be difficult to quit.

In short, have a correct attitude, actively handle the problem, actively repay the loan, sell the assets that can be used for repayment, and at the same time save expenses, and strive to complete the repayment as soon as possible. Otherwise, after making a disgraceful mark on your personal credit report, you may not be able to move forward in a modern society with advanced information and data exchange.

I have ten credit cards and a total of 25% unpaid, what should I do? There is no good solution in this situation, just pay off the debt as soon as possible, otherwise you will be blacklisted by the bank's credit reporting system.

You can apply for more than ten credit cards for overdraft consumption. In my opinion, you are also a smart talent. I have to admire your advanced consumption thinking. To be honest, my monthly income is nearly 10,000 yuan. , I have been receiving credit cards one after another. I don’t know if it’s because I’m conservative or stubborn, and I haven’t been brainwashed by the expert’s stories about old American ladies and Chinese old ladies. However, I always firmly believe that it is better to work hard to make money to support yourself than borrowing other people's money for consumption. There will be no pie in the sky. If others don't make money from you, the bank will serve you in vain. Even if you have hundreds or thousands of credit cards, sooner or later it will happen. The problem is, I still can't pay back the money I owe.

There is really no good way to pay off the debt of 250,000 yuan to the bank. The old American woman is an example. Credit consumption eventually made her homeless in the economic crisis. That American The concept of early consumption is no longer feasible in today's China.

The best way is to be pragmatic. If your mind is not good enough, just use your strength to make money to pay off debts and support yourself. Two hundred and fifty thousand is not too much. If you can adopt the consumption logic of tearing down the east wall to make up for the west wall, it shows that you can also If you're not stupid, it's not difficult to find a hard-working job. Although it is hard work, the pay is generally pretty good. Many jobs include free food and accommodation. Plan to pay off the money in at most three years, and you will still have a small savings.

@波天晓

When it comes to credit cards, I get really angry! My guy didn't tell me that he had a debt before we got married. One year after we got married and we had a child, I found out that I owed 250,000 to 300,000 on his credit card. He was just a small clerk, and he couldn't tell me how the money was spent. In the end, there was nothing I could do, so I told him that he had to get help from his family for the money!

Xiaoxiao has two suggestions:

1: Try every means, find relatives, friends, parents, etc. to collect enough principal, and take the initiative to call the bank to negotiate. Can the interest and liquidated damages incurred during the overdue period be reduced and paid off in one lump sum?

2: Negotiate a cessation of interest and payment (reach an agreement with the bank) and slowly repay the loan in installments to reduce the pressure of repayment, stop the most stressful collection, and avoid prosecution.

You have ten credit cards, and the accumulated debt has reached 250,000 yuan. The single limit of 25,000 yuan is not too high, but the total limit is still very high. It is estimated that you are using the credit cards for recurring consumption and repayment. payment.

At present, due to the impact of the epidemic, financial institutions have launched relevant policies, allowing you to apply for deferment of repayment. However, these measures can only temporarily relieve your repayment pressure and cannot solve the fundamental problem.

When your income and repayment procedures are relatively normal, maybe you can repay 200,000 yuan on 10 credit cards, and you can still transfer them to each other.

However, once the epidemic occurs and your income is affected, your capital chain may be broken, which will directly affect your repayment record and even your personal credit record.

What you can do now is to list out the credit card repayment plan while applying for an extension of the repayment period. You must seize the time to raise funds and pay off part of the credit card. For the part that cannot be repaid when due, you can apply for installment repayment and exchange time for space.

At the same time, you should change your credit card usage habits, reduce the number of credit cards, and control your spending power.

If you make large purchases on multiple credit cards without the support of your income ability, sooner or later you will be blacklisted because you cannot repay, and your situation will be even worse by then.

The difficulty is temporary. Due to the stagnant income caused by the epidemic, I have no source of income. I can only temporarily use special methods to pay some handling fees under special circumstances! Maintain basic necessities of life and hope to get through this difficulty as soon as possible.

Come on Wuhan! Come on, China!

Although you owe 250,000 yuan and are unable to repay it, you need to comprehensively analyze it from various aspects. First, you need 10 credit cards to get the 250,000 yuan. Second, what are you using the funds for? , 3. How long did it take to spend the money? 4. Did you handle the funds independently or did you spend the funds under the instructions of others? 5. You just yelled at the platform for a mere 250,000 yuan. Posting randomly, what does it mean? Sixth, your knowledge, your age, the city you live in and other factors, summarize everything and you can do it yourself!