When you are hacked by the bank, if you want to recover, you must first understand why you were hacked by the bank. If it is because the overdue situation is seriously blacked out by the bank, because the overdue records will be reported to the central bank's credit information system, it will not be so easy to recover. According to the "Regulations on the Administration of Credit Information Industry": "The retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; If it has been more than 5 years, it should be deleted. " So you can only accumulate your personal credit in these five years. After five years, bad records will be deleted, your credit will be well maintained, and the bank will not be too difficult for you. If you apply for a credit card too frequently, you will generally have no problem as long as you wait patiently for 3 months before applying. Usually, when we do business in a bank, we also have to abide by the relevant regulations. Especially when handling cards and loans, you must remember to repay on time to avoid being blacklisted by banks because of bad credit.

What if the bank loan is not enough and is sued by the bank?

If the bank loan has not been sued, it is recommended that the customer contact the bank customer service to see if he can apply for an extension of the repayment period and repay the arrears in installments. If the negotiation is successful before the court accepts it, the bank will take the initiative to withdraw the lawsuit. Of course, it should be noted that the negotiation may not be successful, so the customer must clearly explain to the bank that he does not have enough repayment ability for the time being, indicating that he has no intention to repay the loan intentionally, and that he is willing to actively repay the loan, and the bank will consider it as appropriate. In addition to consulting the bank to solve the problem, customers can also choose to borrow money from their close family and friends to raise funds to repay the arrears. As long as they repay their debts in time, there will be no big problem, and then they will return the money to their relatives and friends. If the court has ruled, the customer must pay off the arrears in time according to the judgment result, and can no longer consult with the bank for settlement. However, if the customer still fails to repay the loan after the court's judgment, the court will probably enforce it, freeze and deduct the funds in the bank card under the customer's name, and seal up and auction the relevant assets to offset the arrears.