1. How to repay the 100,000 credit card debt?

1. Seek help from your family.

100,000 yuan is a huge amount of money for an ordinary family, but we can only confess everything. If the family understands, we can quickly raise money to repay. If family members are unable to raise enough money to repay the money, then we have no choice but to choose other self-help methods. In addition, in addition to repaying the money, we also need to make money for emergencies.

2. Negotiate repayment with the bank.

If you really owe 100,000 on your credit card and you cannot repay it in full for the time being, or you still cannot repay it after applying for installments, you need to negotiate with the bank for repayment and extend the loan period. It is best to try to suspend interest rates and then repay the loan. Work hard to repay. The attitude needs to be sincere and the repayment sincere and clear, so that success is possible.

3. Increase revenue and reduce expenditure.

To put it simply, the open source system improves one's ability to make money. In addition to working, we can also do some part-time jobs to earn a sum of money as quickly as possible. In addition, while we are making money, we must also control transactions, that is, the throttle, our consumption habits must be further improved, and the frequency of credit card swiping should be reduced. That way, it can be settled over time.

2. Does the bank have the right to contact family members if the credit card is not repaid?

No. Credit card collection can only be done against the parties concerned, that is, whoever owes the credit card can collect the money from him. Generally, if the cardholder has not lost contact, he is not allowed to contact his family, especially if he has not been listed as an emergency contact. family.

When applying for a credit card, you need to fill in one or two emergency contacts. The purpose is to use the emergency contact person to act as an intermediary and convey some of the bank's demands when the cardholder cannot be contacted. And if the cardholder's family is not among the emergency contacts, even if the bank can obtain the family's contact information from other channels, it cannot contact them by phone.

If there are family members of the cardholder among the emergency contacts, the bank must be standardized when contacting them, especially paying attention to two points:

1. Do not directly collect debts from the family members. , leaving them responsible for the cardholder's debt. If you are verbally abused, insulted, or even verbally attacked, it is considered violent collection. If you encounter this situation, you should record it as evidence to file a complaint to the bank.

2. You cannot clearly inform the cardholder of the debt situation, but you can ask family members to tell the cardholder to answer the phone or proactively contact the bank, or obtain the cardholder's contact information through family members, etc.

If you cannot pay back the money you owe on your credit card, you can ask your family members for help. The bank cannot contact your family members unless the cardholder has lost contact. Credit cards can be used worldwide and enjoy a certain interest-free period, during which no interest will accrue. The overdraft interest rate of the credit card can be determined by the issuing bank and the cardholder. There are many types of credit cards, which can be divided into ordinary cards and gold cards according to the credit status of the cardholder.