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Many people do not pay back the credit card after using the credit card to make purchases. In that case, the credit card will not be charged. What are the consequences? Please read below:

1. High overdue interest

If you do not repay the credit card and cause the credit card to be overdue, high overdue interest will be incurred, so Be sure to repay on time and don't cause your credit card to become overdue.

2. Being sued by the bank

If the cardholder often fails to repay the credit card money and does not repay within the final grace time specified by the bank, the bank will be sued by the bank. If you sue, you will incur economic losses such as litigation costs and attorney fees.

3. Bad credit record

If the cardholder fails to repay the credit card, the credit card will be overdue. Overdue credit card will affect the personal credit record and make the personal credit record stained. , individuals will have a bad credit record, which will have an impact on future bank cards and loans.

4. Bear criminal liability

If the credit card is not repaid and the amount owed exceeds 10,000 yuan, it will constitute a crime of credit card fraud and will be held criminally responsible.

In short, the consequences of not paying back your credit card vary in severity, but they will all affect your handling of other related businesses in the future. Failure to repay a bank credit card will cause an overdue payment. The slightest consequence is that it will affect your personal credit record and make it impossible to apply for credit business from the bank in the short term.

If the amount is small and the circumstances are minor, the bank will entrust a lawyer or other legal department to file a civil lawsuit with the court; if the amount is large and the circumstances are serious, the bank can directly report to the public security organs, and the public security organs believe that the circumstances are consistent with malicious overdraft. In this case, the investigation will be completed and the case will be transferred to the procuratorate. The procuratorate will file a public prosecution in court for credit card fraud. If the cardholder refuses to repay, he will go to jail.

Extended information:

If it is overdue, how can the cardholder remedy the situation?

1. Is it best to continue using this card? After it expires, the best way is to continue to use this card and cover the original negative record with a new normal repayment record, usually after 24 months A new credit record will be generated so that personal credit, etc. will not be affected after the record is refreshed.

2. Don’t run away and think it’s okay

If you are overdue for a long time, your credit card will earn compound interest and there will be high late payment fees. If you run away, the bank will consider you to be a malicious overdraft. Will call the police.

3. If you are unable to repay, you must explain in time

If you are unable to repay on time due to unemployment or illness, state your financial situation before the final repayment deadline and declare that you are not malicious. If you owe money, you can apply for delayed repayment and interest discounts. Specifically, there are several methods you can try:

1) How many days should you delay your application?

Find a reasonable reason, and take the initiative to call customer service a few days in advance to apply for a delay. God, it's generally okay. But don’t put it off yourself. Many people listen to nonsense on the Internet and there is a grace period of a few days, which can easily cause problems with their credit reports.

2) Apply for bill installment

Applying for bill installment can alleviate the short-term repayment pressure, but you also need to pay the installment fee. Appropriate bill installments are helpful to increase the limit and maintain the card. It is best to use an installment amount of about 30 for bill installments. If the amount is too low, the bank will not make money; if the amount is too high, the bank will feel that we have no money. 30 is the best golden ratio!

If it is really difficult to turn over funds in a short period of time, then take more money in installments, and you may pay a certain amount of extra interest!

3) Minimum repayment

Minimum repayment can also alleviate short-term repayment pressure to a certain extent. However, the bank calculates interest on the full amount, and the minimum repayment interest is very high. Don't do this unless absolutely necessary.

4) Repayment by an intermediary

Finding an intermediary is also a method commonly used by many people. However, this approach can easily cause the bank to reduce the limit and block the card.

4. It is best to repay in full and explain

If you forget to repay due to usual carelessness, you must repay in full as soon as possible after discovering that it is overdue, preferably in full. , because after full repayment, you have the best chance of winning if you call the bank to explain that the debt is not malicious and request to eliminate the overdue record.

Reference: Baidu Encyclopedia Overdue Repayment