The credit card in Jiangbei Yubei, Nan'an District, Chongqing is OK. If you fail to repay it overdue, the consequences will be serious!

(1五兺?二三?三三?2五六七＊ repayment set The credit card is overdue. The editor reminds you that the consequences of overdue credit card repayments are very serious. A slightly minor impact on home loans and car loans may lead to serious consequences. Malicious overdue repayments may lead to a criminal record. Even if you are sentenced to probation, a criminal record will be left. Let’s take a look at some things about overdue credit cards.

How late does a repayment have to be to be considered overdue?

Xiao Zhou, a credit card customer of a certain bank, was listed as having a bad credit record by the bank because he was one week late in repaying the loan. The bank staff told him that this record must be kept for 5 years before it can be cancelled. The loss would be huge!

I checked the revised "China Bank Card Industry Self-Discipline Convention", which stipulates that if the payment is delayed for up to 3 days and the repayment difference is within 10 yuan, no penalty interest will be charged. This delay can be regarded as a concession by the bank, because in the past, if the repayment was one or two days late, or even a fraction less, the full amount of penalty interest might be incurred, causing personal repayment to be overdue.

The "Convention" stipulates that banks provide cardholders with long-term services, send repayment reminders through text messages, emails, etc. at least 3 days before the due date of repayment, and provide at least 3 days for repayment. the term. In other words, if the cardholder repays the money within 3 days after the specified repayment date, the bank should treat it as full repayment at the same time, without penalty interest. Note: 3 days refers to natural days, not working days.

The bank also provides tolerance services to cardholders, that is, if the cardholder has insufficient repayment in the current period, and the outstanding amount is less than or equal to a certain amount (at least the equivalent of RMB 10), he should The cardholder will be deemed to have repaid the amount in full.

What should I do if I am overdue multiple times?

What should I do if unfortunately it is overdue more than once? Can you still survive in this world of money?

Bank experts tell you that generally no more than three overdue credit card payments are made. You can apply for a credit card but the amount is very small, or you can get a loan but the interest rate is very high. If you are overdue more than 6 times and fail to pay back once, you will be blacklisted by the People's Bank of China's personal credit system. If you are on this list, it will be difficult to apply for credit cards and loans.

If you happen to be overdue and go to the bank to apply for a loan at this time, it is generally impossible to get a loan.

Be careful when using third-party payment

Many cardholders will repay the bank through payment systems such as Alipay and Lakala. These third-party payment systems may be used for various reasons. Failure to transfer funds in time results in overdue credit card repayments.

If a netizen repays through Lakala, although it says that the credit card will be credited to the account on the same day, in fact, it has not been received for three days. Lakala puts the responsibility on the receiving bank. Just consider yourself unlucky if you encounter this kind of kicking the ball.

Inter-bank automatic repayment may fail

When using credit cards, many people bind their credit card accounts to a debit card for automatic linked repayments, and credit cards and debit cards The cards are often not from the same bank. Under normal circumstances, this setting will save cardholders a lot of trouble.

But when the repayment date comes, banks generally only make one automatic deduction and do not make additional deductions. If the cardholder's current bill exceeds the transfer limit of the debit card issuer, repayment will fail. In addition, if the cardholder has foreign currency consumption and does not fill in the foreign currency account when applying for an automatic repayment account, automatic repayment will also fail.

If this happens, if the bank does not notify the cardholder through text messages or other means, the repayment may be overdue, or even leave a stain on the credit.

The consequences of overdue repayment are serious

Some people maliciously owe money after overdrafting their credit cards, and even cancel their credit cards, thinking that the bank will not be able to find them.

People who think this way should be careful! If you maliciously fail to repay the loan after the due date, not only will your loan to buy a house or a car be restricted, it will also be affected when you go abroad or find a job, and your spouse's credit may also be affected

Regarding the amount increase:

Before you give When the bank calls to raise a balance, the bank will look at your card situation, your previous consumption, and the credit limit on the card. All these must be taken into account before the result is given. If your card is empty, the bank will naturally think that you are short of money. If your debt has not been repaid, who will lend you more? Therefore, when requesting a limit increase, do not apply too frequently, and do not apply when there is no money in the card;

Although the above are details, if you have become a high-quality customer of the bank, increasing the limit will be a matter of course. , I hope everyone will pay attention to it, especially cardholders who have overdue or minimum repayments. It is recommended to work more on the details of credit card swiping. If you persist for 3 months, it will be effective.