Break up or help him pay back.
1. What will happen to loans overdue?
1, the person who is listed as the person who has been executed for dishonesty forms a stain on the "credit report".
Once overdue, the credit report will inevitably leave a bad record. If the circumstances are serious, it will not only be included in the list of untrustworthy executors, but also may affect future loans.
Once it is included in the list of dishonesty, it will be "restricted from high consumption". At that time, you can't not only build trains and planes, but also buy a house, stay in a star-rated hotel or even attend a private school for your children.
2. Generate penalty interest
Although the policy of each banking institution is different, generally speaking, as long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest.
3. Facing the danger of being sued.
If it is overdue, the bank will inform you to make a collection, and a collection announcement will be issued after the collection is invalid; If the collection announcement is ignored, the bank will pay attention to overdue claims regularly. At this time, you will face legal problems.
How can we avoid the above situation?
1, dealing with "negligence" overdue
Many lenders are overdue because of negligence, not intentionally. At this time, you should call the bank immediately and explain the reason for the overdue. It would be great if it wasn't your own fault. Then let the bank issue a non-malicious overdue certificate and pay back the money in time.
2. Binding automatic repayment
At present, many banks have introduced the function of automatic repayment of bank cards, which can link the repayment account with their own bank cards, let the system automatically deduct money, and can also repay through Alipay, which is very convenient and fast.
Step 3 apply for an extension
If your past credit history is very good, then if you are overdue for the first time, you may be able to inform the bank of your situation and negotiate with the bank in a friendly way to apply for deferred repayment. For departmental customers, the bank will give a certain grace period.
Girlfriend owes the bank more than 100,000 credit cards overdue?
Overdue credit cards usually have the following consequences:
1. Expenses such as overdue interest and liquidated damages. : Calculate the interest from the overdue date of the credit card, which is generally five ten thousandths of the daily interest, and compound interest is calculated monthly; The liquidated damages are generally 5% of the unpaid part of the minimum repayment amount.
2. Bad credit record: after the deadline, the personal credit report will produce bad records, which will affect the future loan application.
3, may face criminal responsibility: if the long-term overdue and overdue amount is large, then you may receive a reminder from the bank; If the bank still fails to repay the arrears after being reminded, it may face criminal responsibility.
Generally speaking, the impact of overdue credit cards is still relatively large. I suggest that you must pay back on time.
If your credit card is about to expire or has expired, I suggest you call the bank's customer service phone in time, take the initiative to explain the situation, find out whether you can apply for deferred repayment or reduce the penalty interest, and repay as soon as possible.
If your credit card limit is not enough, you can consider using big brand credit products such as Alipay, Tencent Microfinance, Xiaoman Finance and Qianhua. Qianhua is a credit brand owned by Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services and borrows money to Xiaoman Financial APP.
Xiaoman Finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Xiaoman Finance is the first choice for most small and micro owners. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
What if my girlfriend owes a credit card?
First, do you love him? Love him and support him.
Secondly, if it is time to talk about marriage, then both parents should know about it, and then parents can discuss how to deal with it together.
Finally, if you have money, help her pay it back. Let him pay it back slowly if he has no money. There is no way.
My girlfriend owed 70,000 to 80,000 credit cards on online loans, and helped pay back 45,000. Will the rest be helped?
First of all, your girlfriend owes so much money that you can't solve the essential problem at all. At that time, she will continue to spend money, continue to lend money, and continue to swipe credit cards.
What should you do:
First, you have agreed with her that you have paid her so much money. You have done your best, let her pay the rest by herself, so that she can also control her consumption and make good use of her salary. If she doesn't even have a job, you'd better let her find a proper job and change her consumption concept.
Second, your relationship has not reached the point of marriage. If you help her pay it all back, are you sure you want the money in case you separate that day? So you have no obligation to help her so much. This is also her experience when she was growing up. She is responsible for her own consumption and let you solve everything. In case their family continues to make a sum of money that day, will you help them?
Third, if you really have a lot of money, then you can help her pay it back and make her promise to marry you. Otherwise, it will really lose money. This money is still a bride price in some rural areas. She shouldn't thank you for helping her so much.
Fourth, you need to know clearly how she owes money. If she borrows it because she wants to solve difficulties for her family, you can borrow it temporarily and sign an iou. If you get married one day, the iou will be invalid.
Fifth, if you know that she just went on a spending spree and was in debt, why don't you leave her and continue to support her? How can you afford such a consumption concept? It's just a gold-swallowing beast, which will increase your burden in the future. Your parents won't like such a girl who worships money. You should be realistic and don't stick to your own opinions.
Sixth, if you haven't talked about marriage, don't involve money, so your feelings will be impure. She will always feel indebted to you, instead of being with you sincerely. You will feel that she is just paying her debts and may leave you in the end.
Girlfriend owes 70 thousand to 80 thousand for credit card loan Should I help?
Let me talk about my suggestion. After listening, it's up to you to choose.
First, credit card online lending.
Nowadays, many people start to take credit loans online for various reasons. This kind of loan has a high interest rate and basically bears interest. For people who take credit loans, there are only two kinds of people, one is really encountering some difficulties, and the other is just out of vanity.
Second, communicate with your girlfriend.
First of all, communication is the first step you need to take as a boyfriend. Hippocrates once said, "There are two things in the world that can cure diseases, one is medicine and the other is language". Therefore, communicating with her is not only your responsibility as a boyfriend, but also what a man must do.
Ask her the reason for the online loan, and ask her if she has encountered any difficulties. If she does, you can try to solve this problem with your girlfriend for the time being. If she only wants to buy things online, you should teach your girlfriend a lesson.
Third, consider according to your own ability.
The online loan of 70,000 to 80,000 yuan is not a small amount, and it may be necessary to pay back 100,000 yuan later. After all, this interest rate is very high. If you have the ability to help her repay, and you still love your girlfriend very much, then you can try to help her pay off this online loan.
If you have no ability to repay yourself and you have no feelings for her, then my advice is to let go at once. Because a girl who can borrow money online must have no risk judgment ability, her view on things is still very simple. So you should consider it according to your own economic ability.
The above are some suggestions I give you, you can refer to them. I think it is still of reference value. After all, everyone has a different opinion. After expressing my opinion, you should face this reality according to your own ideas and then make a choice. At the same time, I hope you can make a very correct decision yourself.
Only after I got married did I know that my girlfriend owed me a credit card of 500 thousand. What should I do?
For some reason. It is wrong to conceal the fact of debt before marriage, and feelings are selfless and cruel. Now that you are married, you should sit down and solve the problem calmly.
First of all, the problems we are facing have been solved step by step in a planned way. Such a problem can never happen again.
Niuren (to be continued)
Hello, I'm a lawyer from the Marriage and Family Department of Beijing Anbo Law Firm. Regarding your question, I would like to make the following suggestions for your reference only.
First of all, Article 23 of China's Interpretation of Marriage Law stipulates: "If a creditor claims rights from the debtor's spouse for personal debts incurred by one party before marriage, the people will not support it. However, the creditor can prove that the debt is used for the family to live together after marriage. "
Second, according to the provisions of this law, personal debts incurred before marriage shall, in principle, be borne by the individual, and the spouse after marriage shall not be liable for repayment. Unless the creditor has proof, the debt is used for married families to live together.
Third, as far as your situation is concerned, in principle, the bank can only claim the right to your spouse's 500,000 credit card arrears, and the bank can't get the court's support for your repayment, so you don't have to worry about taking responsibility for it.
Unless the bank has evidence to prove that this 500,000 yuan is for your wife to live with you, only in this case are you obligated to repay.
Therefore, as long as the money is not used for your married life together, you don't have to bear the responsibility. Even if the issuing bank sues you, it won't be supported by the court, so don't worry too much. The above is my suggestion on this question for your reference only. Wish you all the best.
Pre-marital debt has nothing to do with you! Ask a lawyer
Pre-marital property and debts are personal, and you can pay them back or not. Of course, it is good to love your girlfriend and have financial conditions. On the contrary, you can not return it. Because a woman owed 500 thousand before marriage, and she told you that she didn't spend money properly. Spending like this before marriage, and after marriage? It's hard to say whether you can satisfy her.
First of all, I feel a little uncomfortable with your name. Married and called a girlfriend. Divorced and called a girlfriend?
It's really a headache After all, it's my beloved, and she just got married, but at this point, we should calm down and deal with it. It's not easy for two people to get married, so it can't be said that she said it wrong before marriage. Maybe she is really afraid of losing you and knows that you love her very much, but it is even more wrong not to say it. If there is true love, it is not a problem. The question now is how to get into debt.
If it is caused by investment failure, derailment or family changes, she has been hiding it in order not to increase your burden. In this case, since you married her, it shows that you love her enough, then you can pay off this debt with her, which also proves the true love between you.
If it is caused by gambling or eating, drinking and having fun, it is cheating. The nature has completely changed, and there is no need to continue this marriage. Since she married you for an impure purpose, since you know it, you have to end this marriage at any cost. You can't ruin your life for her.
The first thing in marriage is sincerity. Without sincerity, there can be no long-term marriage. Marriage is a great event in a person's life, and it can also be said to be a turning point in life. There can be no carelessness, and there can be no deception. This kind of marriage is impure. Being sincere to each other is a must, and marriage is not a child's play.
Some people, no matter how much you love, should let go as soon as possible as long as they misbehave. Long pain is better than short pain. After all, marriage is a lifetime thing.
Legally speaking, this debt has nothing to do with you unless the money is used for married life. Emotionally speaking, it is a kind of deception for the woman to have reservations about you before marriage. However, it is necessary to find out whether the woman has any difficulties. I believe you can make a wise choice yourself after you know the ins and outs of the matter.
Only after I got married did I know that my girlfriend owed 500 thousand. What should I do?
Your married girlfriend, if she didn't tell you that her credit card owed more than 500,000 yuan before you got married, but after you got married, she found out that your girlfriend owed more than 500,000 yuan. Your current girlfriend, she deliberately concealed her debt of more than 500,000 yuan. This is your girlfriend's cheating again. She used you to marry her to pay off her debts, because as long as you get married, this is joint debt, which is the purpose.
People often say that how you treat others, others will treat you. This is a fact. You should be tit for tat, be a man, dare to love and hate. As long as someone dares to lie to you, you should protect yourself, and you should fight back at her in the same way when you fight back. If you don't, you will be in debt for hundreds of thousands just after you get married, and you will be caught up by the enemy. . . . . .
See what she did before, whether it was a down payment for buying a house or a business investment failure.
If it's gambling, you like luxury goods and you can share them with him. )
It depends on your financial situation and how you usually get along!
If you have a common child, try to stay together. After all, the child is innocent and can't pay for your mistakes.
Your fault is not knowing enough, and her fault is avoiding you!
After investigation, it is obvious that since you have raised this question, your heart is still very entangled. She must be very satisfied with your daily life. Although we are not the parties, we can understand your feelings now!
After all, I still hold the principle that it is better to break a marriage than to tear down ten temples. If she is not pragmatic, she will not be able to live in the future!
Feelings are good, and children. Her only shortcoming is that she owes so much money. If it is a formal way, I still hope that you young couples can face it bravely together. Since you choose to get married, you must be the goddess in each other's hearts. It's hard to meet the right person. If you encounter it, don't let it go easily. If divorced, it may not be that person, but it will still make you happy.
My personal opinion is over, I hope everyone will add it enthusiastically!
This is the end of the introduction of girlfriend owing credit card and girlfriend owing credit card money to pay with bride price. I wonder if you found the information you need from it?