1. How does the legal affairs handle overdue credit cards?

The legal treatment of overdue credit cards also requires cardholders to actively repay. If there is no money to repay because of the credit card, you can repay it in the following ways:

1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

2. Use the segmentation function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide installment functions of 3, 6, 9, 12, 18 and 24. You can choose the number of installments according to your repayment ability, which can relieve the repayment pressure without affecting your credit.

3. Change the bill date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

4. Actively negotiate with the bank to explain the situation. If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there are reasons, and discuss whether you can delay repayment. Don't ignore the bank just because you changed your phone, so your personal credit will be lost unless you don't deal with the bank in the future.

2. How long will credit cards be blacklisted?

1, as long as it is overdue for more than 90 days, it is generally a black account, which is the standard of most banks.

2. Under normal circumstances, the personal credit card bill is overdue, and the bank will collect the debtor in accordance with relevant regulations in the first three months.

3. If the collection is successful within these three months. Then the bank will not carry out the next collection. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for three months, the bank can go through legal procedures.

Once the credit card is overdue, it will have serious consequences, first of all, it will produce overdue payment fees and interest, and second, the credit record will also produce bad records. If there is a refusal to repay or the amount owed is too large, it may be sued by the bank. Therefore, if the credit card is overdue, you can communicate with the bank in time, and of course you can handle it through a formal and legal company.