You need to repay the loan normally, and you must not maliciously overdue the loan, otherwise it is likely to affect your personal life.

1. Hainan Rural Commercial Bank’s credit card must be repaid proactively after it is overdue.

We can try to negotiate with the bank and pay off the debt at the same time. During this time period, there may be overdue records that have not been reported to the central bank. You can explain the situation to the bank and ask for forgiveness. But the cardholder’s words must be credible and convincing. The best thing is to explain the situation to the bank before you are overdue and see if you can apply for an installment or something to ease the repayment pressure.

2. Do not engage in malicious overdue behavior.

After a credit card defaults, the penalty fees usually involved are recurring interest fees and late payment fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and it will start from the date the consumption is recorded. Calculate interest.

3. How to deal with your overdue behavior.

Situation 1: Automatic repayment fails. This can be determined by the responsible party. If it is due to the bank's own repayment application problems, the bank is in debt.

Situation 2: There are too many credit cards and you have forgotten to repay them. This is your own fault. It is recommended to negotiate with the bank and provide relevant information (each bank's situation is different) to see if you can recover the debt. letter.

Scenario 3: You enter the wrong card number during repayment and give it to someone else. This is very embarrassing, but the possibility of this situation is actually very small. After all, repayment requires your own real-name information.

Article 196 of the "Criminal Law of the People's Republic of China" stipulates:

Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be punished. Whoever commits a crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.