When the epidemic broke out, business people were unable to work because they stayed at home for several months. But the money of the shop is still paid back every month, as well as mortgage and car loan. No matter what kind of epidemic you have, the bank can pay the money. There is a saying that it will rain, my mother will get married and I will eat.

What will happen? It depends.

1, a few days overdue has no effect. When it comes to overdue credit cards, many friends will be very cautious, thinking that once they are overdue, they will be broken and there will be problems immediately. However, it doesn't matter if it is overdue for a few working days once or twice a year. Usually, credit cards will be notified by SMS before they are overdue, and will be notified by SMS on the last repayment date. If the repayment is not made as scheduled during this period, the bank will also notify you by SMS in a few days. Of course, the bank will not pursue anything if the credit card is paid off within a few working days. After all, it is understandable that I sometimes forget it, but I have to pay some extra fees.

2. If the credit card is overdue for a long time, the result will be sued by the bank. Usually, after the credit card is overdue, the bank will notify you by SMS first. If it has not been paid off, I will call you. Of course, there will be a time limit for telephone contact, during which the bank will make several calls. If this method is still not solved, the bank will eventually defend its rights through law by way of prosecution. A few years ago, when I was doing business, this happened to a friend. Because of the difficulty in turnover at the start-up stage, I used a credit card.

But if the payment is not made on time, the credit card can only be overdue. During that time, the bank kept calling him to pay back the money. After failing to solve the problem, the bank called the relatives reserved when handling the credit card. After many direct and indirect negotiations, this friend has no choice, or no substantive solution. Finally, the bank made a decision to sue for rights protection.

If you are lucky, you may encounter interest-free situation. Banks are not "iron drums" either. If the customer can pay off the loan at the minimum cost, he is naturally willing. If the credit card is overdue for a long time, it is best to meet the bank's settlement. You may meet a phone call from the bank manager and tell you to repay the principal. Of course, this rarely happens, but the bank wants to solve the overdue situation at the least cost.

What are the consequences of overdue credit cards?

Affect your credit history.

Credit card overdue, the most direct thing is that personal credit has a bad record. Bad credit records will have a negative impact on one's future life and work. For example, personal credit loans, house purchase and car purchase loans, and career financing loans. If the more serious situation is included in the list of dishonesty, even the consumption mode and travel mode will be restricted.

A series of intensive collections by banks

Friends who have experienced overdue credit cards know that banks have made great efforts to collect credit cards. Before the state promulgated relevant policies. Credit card collection is still full of all kinds of soft violence, such as telephone bombing, harassing relatives and friends of overdue people and even colleagues at work, and even collecting at home. For those who have no psychological endurance, this can be said to be a kind of psychological and physical suffering.

There may be a risk of criminal responsibility.

In fact, overdue credit cards have long been stipulated in Article 94 of the Criminal Law. Those who maliciously overdraw their credit cards by more than 50,000 yuan and refuse to repay them after repeated collection by the bank shall bear criminal responsibility. Of course, you can refer to the relevant laws and regulations for specific provisions, so I won't elaborate on them here.

It is only said that this situation is rare in principle, unless the cardholder's situation is extremely bad, such as credit card fraud. Long-term malicious evasion of debts, otherwise banks will generally not let cardholders bear criminal responsibility. After all, this may bring worse results, although the law now clearly stipulates that after assuming criminal responsibility, it does not mean that cardholders can not repay. But once the cardholder assumes criminal responsibility, the probability of bad debts can be said to be 100%.

However, in any case, you won't do anything really criminal because you are in debt, which is the least feasible. Generally speaking, if the credit card you apply for and the loan you apply for are used for business, these are only civil acts. There is a clear difference between civil and criminal, and what it is must be clearly identified.