In recent years, people have gradually cultivated the awareness of leading consumption, and the role of credit cards has become more and more important. Many people already hold credit cards, which can not only make purchases, but also support loan installment. However, many people occasionally encounter financial problems, resulting in the inability to repay their credit cards. What if they are overdue for more than 9 months in a row? What are the serious consequences? Let's get to know each other. 1. If the amount of bad debts is relatively small, the bank will continue to collect them during the period, and you are overdue for more than 9 months, it is possible that the debts will eventually become bad debts, and the consequences will be very serious. You can no longer handle any credit business in the bank and be included in the credit blacklist. Solution: contact the issuing bank card as soon as possible and pay off the arrears in time. Bad debts will turn into overdue records, and the impact will be eliminated after 5 years.

2. If the sued person refuses to repay the loan after the overdue amount is relatively large, he may be sued by the bank. If the case is serious, it is a malicious overdraft. If he can't get in touch all the time, he will receive a notice from the court after being sued. I can make a judgment even if I don't attend the court. If I still don't repay the loan at that time, it will be enforced. Solution: If you really can't afford it, you should pay it back appropriately every month, and actively negotiate with the bank to reach an out-of-court settlement.

3. There is a professional collection team in the overdue collection bank, which is generally mild. It mainly contacts people whose overdue time is less than 3 months. If it is more than 9 months, it will be outsourced to a third-party collection company. At that time, various collection methods will be more severe, so be prepared psychologically. To sum up, the overdue credit card is a serious matter, which has adverse consequences for credit investigation and affects subsequent house purchase, loan, credit card, etc., so it is correct to pay back the money as soon as possible.