1. If the credit card is stolen and overdue, who will pay it back

First, it is certain that the credit card has been stolen and overdue, so if you sign up Just the signature of the person who committed the fraud on the transaction document will inevitably be compared by the bank. If there is any inconsistency, the cardholder himself does not need to bear the responsibility for repayment. If it is overdue, then the debt will be borne jointly by the bank and the merchant, that is, each will bear 50, but it is not good to lose it as much as possible and let others swipe the card at will.

Secondly, it should be noted that if interest accrues due to overdue payment, the overdue interest will be borne by the bank itself because the bank has not taken effective measures. So don't lose it yourself.

2. What are the consequences if the credit card is stolen and overdue?

First, the credit card will definitely be frozen and you will not be able to use it, and there will be negative information such as overdue repayment. Recorded on an individual's credit report. This overdue credit record will be kept for five years. During this period, try to maintain a good repayment record and avoid being overdue again. It will greatly affect your daily use.

Second, when the principal amount defined by the bank as malicious non-payment of the debt reaches more than 10,000 and has been collected twice by the card-issuing bank, it will be deemed as a "malicious overdraft" under the criminal law. It is a crime of credit card fraud, so even if you did not swipe the card, others will cause you a huge loss, which is very unnecessary.

3. How to apply for suspension of interest payment if the credit card is overdue and has been stolen

1. First, call the bank’s official service hotline and explain to the bank the reason for the overdue payment. The first step is to ask the bank to freeze the card, and then apply for a suspension of interest and debit. Not everyone can apply for a suspension of interest and debit. The cardholder needs to see whether the current situation qualifies for a suspension of interest and debit. Then you can go directly to the counter financial credit service counter with relevant information to handle it.

2. I would like to share with you the meaning of suspension of interest rates. It means that both the bank and the cardholder reach a suitable condition and finally negotiate a result that is satisfactory to both parties. This means that the interest rate increase will be stopped and the interest will be divided into shares. Fixed term repayments.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.