1. Everbright Credit Card overdue 202 1 What's the new regulation?

1. The credit card sentencing standard has been raised from 10000 to 50000. In other words, only if the principal of the credit card exceeds 50,000 yuan, the cardholder may go to jail, giving those cardholders who owe less than 50,000 yuan some repayment opportunities. But it also means that if the credit card is overdue for more than 50 thousand, you will really go to jail.

2. If the late payment fee is replaced by liquidated damages, it will still be 5% of the minimum repayment amount. However, the penalty can't be increased indefinitely like the late payment fee, and now it will only increase by three months at most.

3. The interest-free period can be as long as 60 days. In the past, the interest-free period of credit cards was generally around 20-50 days. Now if the cardholder has temporary difficulties, he can negotiate with the bank to postpone it to 60 days.

2. What should I do if Everbright Credit Card is overdue?

1. After the credit card is overdue, never borrow money to repay it, or use a credit card to repay it. This will only make the debt roll bigger and bigger, and it will become more and more difficult to pay off.

2. If the cardholder is worried that the collection will be harassed, he can negotiate with the bank in time. As long as an agreement can be reached, the collection will naturally stop. If there are illegal collection behaviors such as violent collection and address book explosion, you can also collect evidence and complain to the CBRC.

3. Take the initiative to contact the bank to explain the overdue situation, and then strive for the opportunity of interest-free credit and interest-free installment payment. Clean up the debts before the negotiation, plan the repayment reasonably, and distinguish which debts will be paid first. If it is not timely, the debts will increase faster.

4. Work hard, increase income, reduce unnecessary expenses and adjust your mentality. Never give up on yourself and give up repayment.

3. Why don't you accept Everbright Credit Card after it is overdue?

1. When the collection case expires, it is necessary to change the next third-party collection company to collect the cardholder's debts. Each collection company has a certain time limit for handling cases, so this is one of the reasons why cardholders encounter different collection methods.

2. After the long-term collection is invalid, the lender will be temporarily abandoned. Collection is also an employee of the company, and there are certain performance indicators every month. If you don't think it is possible to collect funds in a short time, you don't want to waste all your time on cardholders.

3. It's probably also a collection method. Third-party collection has contacted many debtors. Know different debtors very well. Every debtor's situation is different. So sometimes we stop, adjust the rhythm and collect cards in another way.

Having said that, we have a clear understanding of the new regulation of overdue 202 1 of China Everbright Credit Card. Although the new regulations are more humane to cardholders, the consequences of overdue are still relatively strict. It is better to repay in time to avoid overdue.

Overdue collection, constant interest, and constant telephone calls have seriously affected life. Consult legal affairs, assist in stopping payment, extend the repayment period, and professional lawyers will formulate personalized solutions for you.