Credit cards have been used by more and more people. In other words, credit cards are becoming more and more common. Statistics from the central bank show that the number of credit cards issued in my country has reached 768 million. If calculated based on our population, the per capita card holders have reached 0.56. What kind of concept is this?

At the same time, another situation has arisen, that is, overdue situations. In the "Overall Operation of the Payment System in the First Quarter of 2021" released by the central bank, the total outstanding credit card credit card overdue for six months was 1.08922 billion yuan.

Today’s high overdue amounts are not a good sign for banks or individuals, indicating that more and more people are in debt, and for banks, overdue amounts are too Bad debts are prone to occur over time, and funds will also be affected.

Credit cards can provide people with convenience, but this convenience is only temporary and just a transition. However, there are people in society who rely on credit cards, so in the end the responsibility they need to bear is heavy.

Credit cards are interest-free for up to fifty days, but if you installment the bill, make the minimum payment, or make it overdue, the fees charged will not be cheap. As the number of overdue people increases, credit cards have also begun to take action. If the money is still not returned after collection, legal means will be used to protect the rights and interests from being infringed on the grounds of malicious overdraft.

In serious cases, overdue credit cards will rise to criminal liability, so repayment is the only solution. Nowadays, credit cards have also ushered in a "big adjustment", that is, the previous late payment fees have been replaced by liquidated damages, and the charging method has also been changed, adjusting to 5% of the repayment.

As the amount of overdue credit cards becomes more and more, many banks have also taken unified action, taking measures to file cases for those who have not paid back for a long time, and also canceled late payment fees. For those who use credit cards, if you are overdue while using your credit card, you must promptly inform the bank.

The correct way to use a credit card is to repay on time. If you need to explain to the bank due to financial problems and negotiate with the bank for repayment, under normal circumstances, the bank will sometimes make Concession and reduce part of the liquidated damages for you.

If you fail to repay after the due date, interest and penalties will be charged, and the cost will be very high. So deal with repayments early. At the same time, when using a credit card, you cannot "use the card to support the card", that is, through the act of cashing out, repay the credit card and make up for the loss.

All along, banks have repeatedly emphasized that cashing out is prohibited, cashing out is illegal, and we must refuse to cross the line. Judging from the number of overdue credit cards, this also shows that the debt ratio is getting higher and higher. For people, reasonable consumption concepts are very important.

Using credit cards is a habit of many people, and when we use credit cards, we need to pay attention to reasonable use, refuse to cash out, and refuse to repay overdue payments. In this materialistic era, we may need a lot, but when buying, please understand your own financial situation.

If you spend too much in advance, you will be burdened later.