1. Call customer service number 95533 to apply for early termination, but you need to pay off all the remaining debts and pay the handling fee for each period before termination.
2. Log in to the Construction Bank APP, enter the installment credit card, and then click "Repay for yourself". Select all the installment bills on the next page and click "Pay All". The handling fee generated by installment also needs to be deducted.
How long will the bank sue for the money owed to the credit card?
1. Generally, if the cardholder's credit card is overdue for more than three months, the issuing bank has the right to sue. But this does not mean that once the cardholder's credit card is overdue for more than three months, the issuing bank will immediately bring a lawsuit to the court.
In fact, in real life, banks will not sue easily. After all, the litigation process will consume a lot of material resources, manpower and financial resources, and banks mainly remind cardholders to repay as soon as possible by sending text messages and making phone calls. Unless the cardholder's overdue situation is very serious, such as the overdue time is too long (even three times or six times), the amount owed is also very large, and the bank ignores the bank's repeated reminders during the overdue period, and the bank can't even contact anyone. Then in this case, the bank is likely to sue and let the cardholder repay through legal channels.
3. After the court decides, the cardholder must pay off the debt quickly. If the cardholder refuses to repay after the court's decision, the court is likely to include the cardholder in the list of untrustworthy people. At that time, daily life and travel will be affected
Legal basis;
Article 22 of the Measures for the Administration of Bank Card Business stipulates that the issuing bank shall charge 5% of the overdue fine and 5% of the over-limit fee respectively for the minimum repayment amount and the over-limit credit card of the credit card holder.
Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the repayment ability of the cardholder and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.
The contents of personalized installment repayment agreement shall at least include:
(a) the balance, structure and currency of the arrears;
(2) the repayment period, method, currency, date and repayment amount of each installment;
(three) whether to charge annual fees, interest and other fees during the repayment period;
(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;
(five) the rights and obligations of both parties and the liability for breach of contract;
(6) Other matters related to repayment.
If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.