1. How to negotiate with the bank to solve the overdue credit card of Guangfa?

1. Don't worry if the overdue time is short. It doesn't matter even if you don't notice the phone call or text message from the bank. Contact the bank credit card center as soon as possible and explain the reasons. The most important thing is to pay back the money in time. In this case, there will generally be bad records on credit investigation. For specific reasons, please refer to the previous articles about overdue credit information and overdue bills.

It's overdue for some time, that is, more than a month. You should contact the bank's credit card center immediately to explain the situation. In this case, most banks will not buy it. You can find some special reasons, such as not receiving a reminder, not receiving a reminder call, or some cases can be successful.

If the payment is overdue for a long time, the best result is to pay the full amount by installments through negotiation. Of course, the interest will be higher in this case (similar to the usual billing installment), but what we want is that the bank will not sue you or blacklist you, nor will it freeze your bank card.

2. What are the consequences of overdue credit cards?

If the credit card is overdue, the first thing you need to do is to pay a late fee of 5% for the minimum unpaid part and a penalty interest for the full bill. Of course, the most serious thing is that there is a bad credit record in the Credit Information Center of the People's Bank of China, which has a serious impact on the future loan to buy a house and a car.

For bank loans overdue for more than 6 months or more, or unpaid for more than two times. Your credit card will be frozen by the bank, and you will be blacklisted by the bank, so you can't apply for credit cards and loans in the future.

3. What if the credit card is sued for overdue?

1, unnecessary criminal responsibility must be avoided. Paying back the money won't solve the problem. If the principal can be paid off in one lump sum, it must be paid off before the police file a case. This can avoid criminal punishment.

2. Know exactly how much debt you owe and how much you have paid, and the repayment date is that day. Know the details of this debt.

3. According to different situations and bank instructions, repayment in installments is required. Most banks will agree. For banks, everything will be fine if they can recover this debt, and it is not good for banks to go to jail if they really don't pay it back.

4. Raise the first batch of funds as soon as possible. Banks will generally agree to your terms only if they have money to pay back. If you don't make money at maturity, apply for enforcement. The amount of liabilities may not be high, fixed assets will not be seized, but bank cards will be frozen.

Don't worry about overdue debts. One-on-one legal affairs will work out a solution for you.