The use of credit cards is equivalent to the cardholder borrowing money from the bank for consumption, and of course, it will be repaid after borrowing. During the loan period, the cardholder repays the principal and interest of the bank loan with the same monthly repayment amount. If the cardholder fails to make automatic deduction due to overdue repayment or insufficient monthly repayment, he must go to the accounting counter of the loan handling bank to make repayment.
After the credit card user overdraws, the creditor-debtor relationship is formed between the bank and the user, and the bank has the right to demand repayment from the user. And banks can exercise their rights on their own or entrust others to exercise them. As long as the bank authorizes others to exercise this right in writing and requires others to take legal means to collect it.
If the credit card is overdue, don't cancel it in a hurry. You should continue to use it and repay it according to the regulations. After the last overdue record is more than 2 years, the cardholder's credit report will not show that it is overdue again. If you don't want to use this card then, you can cancel it.
After the cardholder owes money, the bank will generally make dunning by SMS reminder, telephone collection, and sending a lawyer's letter. After all the above methods fail, the bank will entrust the dunning company to intervene. Therefore, dunning companies often face debtors who have lost contact, or cardholders who "don't pay back the money anyway".
The credit card is overdue for more than a year. Under normal circumstances, banks will start collecting money very early. Maybe you don't need your mobile phone number, so I can't contact you for the time being, but the money you owe is unavoidable. After all, the debt will be paid in the end. Maybe you don't owe much money. If you owe a lot of money, you will come to you in various ways. In your case, the credit investigation must have been ruined, and you have been in debt for too long. As for uploading to the public security network, it may be a means to find you. But you have been blacklisted.
The limitation of action for requesting protection of civil rights from the people's court shall be three years, unless otherwise provided by law. After the loan expires, the creditor shall require the debtor to repay the loan in time, and shall not delay the timely payment due to circumstances or other reasons. If the debtor fails to repay for a while, the lender may require the borrower to write a repayment plan or a reminder before the expiration of the limitation of action, so that the limitation of action will be recalculated from the date of conclusion of a new agreement. If the debtor still fails to perform or escapes on schedule, the creditor shall bring a lawsuit to the court within 2 years after the loan expires and collect it according to law, otherwise it will be regarded as giving up the creditor's right and the law will not protect it.
The repayment time is the time when the creditor and the debtor agree to repay the principal and interest. In reality, people often ignore this agreement or fail to make a clear agreement. The most common expression is repayment after a certain period of time, such as repayment after one year. "One year later" is literally a time period, not a time point. Repayment after two, three or more years can be understood as "repayment after one year". Although there are certain interpretation rules in law, this writing method increases the uncertainty of realizing creditor's rights after all. The uncertainty of repayment time also easily leads to the dispute of limitation of action in practice. Therefore, when agreeing on the repayment time, it is best to specify the year, month and day.
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