1. Will there be a record of pre-litigation mediation for credit card overdraft?

Pre-litigation mediation of credit card overdraft may have a record and will leave bad credit. Record.

If you hide for too long, the bank will prosecute you for credit card crimes. But they will always ask you to pay back the money, and usually there will be no fines. Mediation before trial will not result in a criminal record. Because mediation before trial means resolving civil disputes and controversies.

2. What are the advantages and disadvantages of suspending credit card interest rates?

(1) Benefits

1. After suspending interest rates and suspending accounts, the debt can be repaid in installments to avoid profit rollover A favorable situation occurs.

2. The maximum period of interest-free debt repayment can be divided into 5 years to alleviate the repayment pressure, and repayments will be made every month in accordance with the agreement.

3. After handling the suspension of interest payments, the bank will no longer collect debts from the cardholder.

4. After suspending the account, you no longer need to worry about being sued by the bank. It is recommended that you record the account before handling it as a voucher.

(2) Disadvantages

1. The suspension of interest payment is handled when the credit card is overdue, which has resulted in bad credit.

2. When the debt is not due, No further credit business from any bank can be processed until all is settled.

3. If you fail to repay the loan as agreed, collections will come back, and the bank may even directly sue you for credit card fraud.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.