Users can only negotiate with the bank if it is overdue, so it is best for users to repay on time before it is overdue.
I. Various situations of overdue credit cards:
1. The credit card was overdue and was returned later.
Many people will encounter this situation, which basically only affects the personal credit information system. Your overdue situation will be recorded in the credit information system.
If the overdue time is not long, it will basically not affect the use of the card.
2. If the credit card is overdue, negotiate repayment with the credit card center.
When the credit card is overdue, you will usually receive a phone call from the collection staff to remind you to return the credit card. At present, credit cards can be repaid in installments. If there is a cash flow problem, you can negotiate repayment with the credit card center. This situation, like the first one, will affect personal credit information, but it will not cause particularly serious consequences.
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3, credit card center prosecution, court mediation or enforcement.
Some people in life are unable to repay their credit cards because they are heavily in debt. At this time, the bank will file a lawsuit and pass the summons to the overdue user through the court. During the litigation, the bank can also apply for property preservation, freeze the borrower's bank account and seal up real estate such as vehicles.
4. If the lawsuit is not repaid, the amount is huge.
In this case, the bank may sue you for fraud, and the court will impose a sentence according to Article 196 of the Criminal Law for credit card fraud.
Second, the worst result of not getting a credit card is:
1, credit investigation: Undoubtedly, the overdue repayment of users' credit cards is naturally a credit investigation report at the meeting, which causes personal credit losses and leaves a stain on the credit investigation report.
2. Penalty interest: Like loans, credit cards will be charged with penalty interest if they are overdue. Generally speaking, it is charged at 15000 yuan per day, and the compound interest calculation method is adopted. Over time, it will be a big expense.
3. Collection: In addition to the collection by the bank collection department, it is also likely to be outsourced to a third-party collection company. Various collection methods and frequent collection frequency are a great "test" for the debtor himself and his relatives and friends.
4. Prosecution: The overdue situation will be different. If it is generally overdue and repayable after collection, then the problem is not big. It is enough to keep the credit for a period of time, but if it is overdue for more than 3 months, then the bank is likely to sue, and then it will be listed as the executor of dishonesty and become Lao Lai. Limiting high consumption will be troublesome.