1. How many years does it take to owe the credit card 654.38+0.5 million yuan?
Credit card debt of 6,543,800+0.5 million constitutes the crime of credit card fraud, which is generally punishable by fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan.
Credit card arrears should be communicated with the bank in time and paid off within the grace period. It has not been returned after two effective reminders from the bank, and it is suspected of credit card fraud. Credit card arrears, regardless of the amount owed, may be subject to civil litigation. If the overdraft amount reaches more than 654.38+00000 yuan, and the card issuer fails to return it for more than 3 months, it constitutes the crime of credit card fraud and will be investigated for criminal responsibility.
2. Will credit card negotiation, suspension of interest payment and installment payment affect credit reporting?
1. If the suspension of installment payment by credit card is a malicious loans overdue, it may affect the credit investigation; If it is not malicious, it may not affect the credit information.
2. You can declare that you are not malicious and apply for deferred repayment and interest concessions. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.
3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.
Credit card arrears should be communicated with the bank in time and paid off within the grace period. The bank failed to repay the loan after two effective reminders, which was suspected of credit card fraud. Credit card arrears, regardless of the amount owed, may be subject to civil litigation. If the overdraft amount reaches 1000 yuan or more and is not returned by the issuing bank for more than 3 months, it constitutes the crime of credit card fraud and will be investigated for criminal responsibility.