1. How to negotiate repayment if you owe a credit card for seven years and have not paid it off?

The first thing to do is to actively negotiate with the bank. Show that you are experiencing financial difficulties and are not overdue maliciously. Then submit the materials proving financial difficulties, such as unemployment certificate, critical illness diagnosis certificate, disability identification certificate, etc. The bank will review the materials after receiving them. The materials are authentic and correct, and the situation described by the user is true. The bank will consider negotiating repayment as appropriate. If the user frequently overdues or is suspected of maliciously overdue, the bank will directly reject the user's negotiated repayment application.

Overdue credit card means that the cardholder fails to pay the consumed amount on time and in full within the final repayment period stipulated by the bank or fails to deposit the minimum repayment amount into the designated account. If it is overdue, it will affect your personal credit record. The bank will submit an overdue report to the credit reporting center, and the overdue records will be retained in the credit reporting system for 5 years. Bad credit reporting records can be eliminated only after 5 years.

If your credit card is overdue not because of your intention or negligence, but because of force majeure or the bank's fault, you can contact the bank directly and provide evidence, and then ask it to eliminate the overdue card. Just record it. If your credit card is overdue due to your fault, you can only wait until the credit reporting system automatically eliminates the overdue record.

2. How to deal with credit card debt after the death of the cardholder

If the cardholder has an inheritance, the bank can recover it from his heirs. If there is no inheritance, the debt will die naturally. , the bank cannot recover from its heirs.

1. The cardholder has inheritance

Credit card debt is also part of the personal estate. Generally, the debt is paid off first, and then the remaining estate is distributed. The credit card debt is a debt of the cardholder, so the remaining balance must be paid back before it can be distributed as an inheritance.

2. The cardholder has no inheritance

If the cardholder’s card consumption occurs during the marriage, the creditor will pay for the debts borne by one spouse in the individual name during the marriage. The debts should be treated as joint debts of husband and wife. Therefore, if the cardholder has no other personal property, the other spouse should still continue to repay.

When a credit card is overdue, the reason for the overdue payment must be explained before repayment can be negotiated. After the cardholder dies, the credit card debt must be repaid with his estate. After losing your credit card, you have to go to the bank to report the loss, and then apply for a new card. There are three ways to report the loss. The first is to report the loss over the phone, the second is to report the loss online, and the last one is to report the loss at the bank's business branch. Reporting the loss will cause There is a certain fee for reporting a loss, and different banks have different charging standards.