1. Is it legal to be detained for 15 days for credit card debt?

Whether it is legal to be detained for 15 days for credit card debt depends on the extent of your credit card debt. . Under normal circumstances, if you are detained civilly for 15 days and your credit card is very overdue, the local public security and judicial authorities will intervene in the bank card debt.

If your credit card is overdue for only a short period of time and for a smaller amount, the bank will not enter judicial proceedings in this case, and naturally no agency will detain you for 15 days. If you have been charged by judicial authorities and detained for 15 days, you may have entered ranking proceedings or criminal proceedings. For specific circumstances, you can directly consult the staff of the relevant agency where you are detained.

2. How to suspend suspension of credit card transactions

First of all, for the promotion and settlement of credit cards, the first thing we have to do is to ask whether we meet the conditions for suspension and settlement through offline outlets or online customer service qualifications. In this step, we need to proactively contact the bank to understand the prerequisites, and then negotiate and communicate with the bank in a friendly manner.

Secondly, if you do not meet the qualifications to apply for the bank's interest-free account business, the bank has not reached an installment agreement with itself. At this time, even if we are unable to repay the loan now, we still need to borrow money from relatives and friends or other methods to repay the bank, because the time when the credit card is overdue is directly related to your serious evaluation of personal credit information.

3. How to resolve the overdue credit card through negotiation with the bank

First, the prerequisite for negotiating with the bank to resolve the overdue credit card issue is to proactively contact the bank and maintain a sincere attitude during the contact process. . Remember not to follow the bank's abusive communication attitude, which will only bring you unnecessary trouble.

Second, we can objectively tell the bank our current income situation, and objectively analyze the various pressures we face in repayment at this stage and our attitude caused by some uncontrollable factors.

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.