Hello, dear, it's my pleasure to answer your question.
Let me introduce myself first, the account manager of a bank loan. We face loan customers and credit card customers every day.
Nowadays, many people like to spend in advance, and credit card overdraft is very convenient. If the credit card is in the transition period, their income ability is limited, which may lead to overdue, and finally the hole is getting bigger and bigger, which may also affect personal credit information.
How can we get rid of this dilemma? I have the following suggestions:
1. Stop reversing cards immediately: "Keeping cards with cards" means robbing Peter to pay Paul. It will only get you deeper and deeper, and high interest will be generated later, and eventually "rolling interest" will form a vicious circle. Moreover, handling too many credit cards will lead to lax management. If that card forgets the repayment time, it will eventually be overdue and discredit its own credit.
2. Repay as soon as possible: If you don't have money now, you'd better explain the situation to your family or friends and ask them to lend you money and repay what you owe as soon as possible. If there is too much debt, pay it in installments to ensure that each installment can be repaid on time and maintain a good reputation.
3. Apply for installment repayment: If you really owe too much, take the initiative to contact the bank to which the credit card belongs, explain the situation, and show that you are not malicious, and apply for deferred repayment and installment repayment. Sincere attitude, if your previous repayment is timely and not overdue, the bank will basically agree. After all, their purpose is to enable you to repay normally.
4. Open source and reduce expenditure: I think this is the best way. According to your own advantages, you can find two more jobs or do some sideline jobs to make your income more abundant, so that you can pay back the money. Try not to consume things that you don't need at ordinary times or temporarily. If you really want to pay back the money, you should cut all unnecessary expenses. As adults, it takes a little determination to do anything.
How to pay back the debt after the credit card is overdue?
Have the following suggestions:
1, try to collect money and repay as much as possible. You can turn to friends and relatives and pay in one lump sum.
2. Take the initiative to contact the bank to explain the overdue situation and strive for the opportunity of interest-free installment.
3. Strive to increase income and reduce unnecessary expenses.
4, sorting out debts, reasonable planning repayment, to avoid.
Finally, don't give up. Let's go
I hope my answer can help you _ _
It's my pleasure to answer your question.
1: You can negotiate with the bank and tell it your actual situation. I can only work bit by bit to earn money and pay it back slowly. Because after all, the ability is limited. I believe the bank will understand your difficulties. Maybe I expect you to repay the principal without interest.
2. If you have real estate or something. You can sell it first and return the credit card. After all, this is what I did wrong. You must be brave to do your own thing. Because you are responsible.
3: You can confess to your family. Form your own family to return this credit card. Because after all, many hands make light work! As for this debt of gratitude, you can pay it back later.
4: There is another way. Is to escape. Throw away all your address books. No contact with family or relatives. I have no communication with the bank. It's just a broken jar. Come day by day. But it also limits your spending too much. You can work as a temporary worker. Then go to do some small business. If you make it bigger, maybe you can pay it back. You can return the money from the bank to them when you come back. Confess to them that there was nothing they could do at that time. Now I want to fly to Huang Da, and I can pay off all my debts.
You have to pay it back when you get out. There is no money at all, and the interest is not paid. This is a day of no return. If you have an emergency, you can't overdraw. If you don't have the ability, don't start from scratch!
Control one's desires
Too much credit card debt, unable to repay, leads to overdue credit cards, which will affect personal credit records and generate overdue fees. Bad credit records will affect daily life. Therefore, if you want to pay off your debts as soon as possible, you can temporarily reduce the repayment pressure by the following methods.
1, minimum repayment amount: credit cards can generally be repaid with the minimum repayment amount, and the remaining debts can be paid off slowly; When the repayment is made according to the minimum repayment amount, the consumption in the bill will no longer enjoy the interest-free period and will still generate interest, but if it is not overdue, the bank will stop the collection accordingly.
2. Borrowing money for repayment: the credit card owner can explain the situation to relatives and friends, borrow money to repay the credit card first, and promise a certain repayment date and repayment interest;
3. Find a financial institution to return the credit card: users can find a financial institution to return the credit card first. At present, many loan platforms provide credit card loan services, but they have to pay a certain fee, and then they have to pay off the debts of the loan platforms.
4. Repayment by selling real estate: If there is really no way to repay, you can sell some real estate to repay the credit card according to the actual situation, such as real estate and automobile production.
5. Handle bill transfer and installment payment. There is no interest on credit card installment, but there is a handling fee. If you really don't return the credit card, you can apply for credit card installment and installment repayment.
6. Take the initiative to contact the issuing bank and settle it through consultation. If the cardholder can't pay the minimum repayment amount, it's best not to delay it all the time. You can take the initiative to contact the issuing bank, explain your situation, and explain that you don't owe money maliciously, just because you can't pay it off immediately due to temporary economic changes, and apply for deferred repayment.
Long-term countermeasures:
1: open source:
Increasing income channels and increasing income is the king.
2. Throttle:
Restrain desires and consume rationally.
There is nothing we can do, either break the jar or try to make money to fill the hole.
Nowadays, many people use credit cards. Credit cards also bring a lot of convenience to our lives. Everything has two sides. Many people use credit cards at first to understand their urgent needs. With more and more choices of early consumption, many people who have no money will choose credit cards to solve it. But some people use their credit cards too much, but in the end they are faced with the situation that they can't afford it. How to deal with overdue credit cards?
As we all know, overdue credit cards will generate a certain penalty interest, and the corresponding records will also enter the central bank's credit information system, and even constitute a crime. Nowadays, many people will try their best to solve the problem when they find that their credit cards have not been repaid, and they don't want the phenomenon of overdue repayment. The consequences of overdue credit cards are still quite serious. Not only will the bank charge a certain amount of overdue interest, but I may also face the risk of card suspension. It is unlikely that you want to go to another bank to apply for a credit card, and your personal credit information will be tainted.
If the bank does not receive the arrears, it will not choose to give up the recovery, and users will also face the following consequences.
Generate late fees
If the credit card is overdue, the bank will charge a late payment fee at the daily interest rate of 0.05% and compound interest on a monthly basis, which means that if the user is overdue for a longer time, the final cost will be more and the pressure will be greater.
Have a good face
When using a credit card, you should know that if the amount owed by your credit card is as high as 1000 yuan, and the bank has not made any repayment after repeated collection, it will be judged as malicious overdraft, and many of them may eventually face suspected credit cards, detention is the final result, and even face huge fines. Overdraft 10000 to 10000 may face imprisonment of less than five years, and 10000 to 10 may face imprisonment of five years.
Be collected
There will be a collection message at the beginning of overdue repayment, which only plays a role of reminding. If it is overdue for more than 90 years, the bank will have professionals to call the company or residence directly. If you don't pay back for more than half a year, the bank will choose to apply for assistance and pay back directly.
If the credit card is not paid, we can also take some measures to reduce the chance of adverse consequences:
Minimum repayment amount
Credit card repayment, like a flower shop, can choose the minimum repayment amount. As long as the cardholder can make the minimum repayment on the repayment date, it will also be regarded as normal repayment. Although it is likely to accumulate in the future, it seems a good choice to solve the immediate problems first.
Apply for deferred repayment
Although some people can't pay off on the repayment date, they can repay soon afterwards, so they can also choose to contact the bank customer service and postpone the repayment date. Others say that if you can't pay back your credit card and deposit one yuan or a little money into it every month, the bank can't do it. I don't know if it seems true, but let's not try this behavior.
There are many people using credit cards now, so we should combine our own situation and don't overspend.
I owed a lot of credit cards for a while, and even N2 appeared on one card, which had a great impact on personal credit information and subsequent loans. I have nearly 400,000 credit cards now, but I seldom use them.
I know a friend who has run more than a dozen bank credit cards. He usually has no income and lives by cashing in. Later, the more I owed, the more I couldn't move. It is said that he owes hundreds of thousands, and the bank urges him to pay every day.
There are also girls around me who have low incomes and want to spend more. They would rather bear as much as 20% interest than control their desires. To tell the truth, I am really speechless to them. No wonder some of them will be used by those people.
The more credit cards you owe, the more you owe. My suggestion is:
1. Remember 40 million: Never borrow the cash in the card directly, never pay by installment, never pay by installment, and never pay the minimum amount.
Because these four rates are extremely high, almost reaching 20%, it is not cost-effective.
2. Apply for a POS machine by yourself, and the credit card rate is generally within the range of 0.000 63 yuan/pen. Make good use of the interest-free period (usually 50 days), so that the interest rate will be about 5% a year, only a quarter of the above 20%, which will save a lot of money.
3. Live within our means, cut expenses and pay back wages. Don't spend money in advance.
If you don't want to be a slave, you must control yourself.
Try to pay it back, unless you have nothing to hide and plan to live alone for a lifetime! If you can't repay in the short term, try to make a repayment plan with the bank, don't wait for implementation, or even be judged as malicious. Then not only will you not be able to gain a foothold in society, do a lot of work and do a lot of business, but even future generations will be affected, and you will not be able to go to college to join the army and take an examination of public office!
Resolutely don't rob Peter to pay Paul to borrow new accounts and pay old ones with credit cards, which will form compound interest and roll more and more!
Resolutely engage in a job or career as soon as possible, strive to make money, and get rid of the habit of living and spending on credit card loans as soon as possible!
Resolutely change the habit of profligacy, and at the same time, you must learn to cut costs, otherwise debt will always accompany you!
Never fantasize about getting rich overnight, but borrow money for so-called profiteering investment, which is likely to make your debt grow geometrically!
Don't imagine that the bank will forget you or forgive your little money! Because such a precedent cannot be opened!
Too much credit card debt, unable to repay credit cards, will affect personal credit records and generate overdue fees, and bad credit records will affect daily life. Therefore, to pay off the debt as soon as possible, you can temporarily reduce the repayment pressure by the following methods:
1, minimum repayment amount: credit cards can generally be repaid with the minimum repayment amount, and the remaining debts can be paid off slowly;
2. Borrowing money for repayment: the credit card owner can explain the situation to relatives and friends, borrow money to repay the credit card first, and promise a certain repayment date and repayment interest;
3. Find a financial institution to return the credit card: users can find a financial institution to return the credit card first. At present, many loan platforms provide credit card loan services, but they have to pay a certain fee, and then they need to pay off the arrears of the loan platform;
4. Repayment by selling real estate: If there is really no way to repay, you can sell some real estate to repay the credit card according to the actual situation, such as real estate and automobile production.
What should I do if my credit card owes too much and I can't repay it?
If the credit card owes a lot, you can do business with the bank and apply for the minimum repayment amount or installment payment. As long as both parties negotiate well, they will not assume any responsibility for fulfilling their obligations. If they refuse to pay, they will certainly be punished. If the credit card is unable to repay, you must find a way to repay. Cardholders can apply for minimum repayment or installment repayment. If the cardholder can't repay on time due to unemployment, illness and other reasons, he can take the initiative to contact the bank to which the credit card belongs, explain his situation, show that he is not malicious, and apply for deferred repayment and interest concessions. The filing standard for credit cards is malicious overdraft of 50,000 yuan, and 50,000 yuan for credit cards is a relatively large amount. If the amount is relatively large, Article 196 of the Criminal Law shall apply, and he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. Article 196 of the Criminal Law, a credit card crime involves credit card activities, and under any of the following circumstances, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.
Legal basis: Article 196 of the Criminal Law stipulates that if a credit card crime is committed in any of the following circumstances, if the amount of credit card activities is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
What if there is too much credit card arrears?
What if I can't pay my credit card back? 1. Borrow money from relatives and friends for repayment: If it is only a problem, you can temporarily pay off the debt by borrowing money; 2. Apply to the bank for deferred repayment; 3. Apply to the bank for loss reporting; 4. negotiate with the bank to reduce the repayment amount. If negotiation fails, you can go to the bank to get a judicial credit card to reduce the debt.
It is a settlement tool for credit card deposit/loan amount. When a general user applies for a credit card, the bank will evaluate the user's situation and then give the corresponding amount within the user's repayment ability. Under normal circumstances, users have the ability to repay the arrears, but if there is an emergency, it will lead to insufficient repayment ability. Next, I will tell you what to do if you can't afford a credit card.
1. Borrow money from relatives and friends to temporarily make up for the loopholes.
If it is only a temporary situation, there will be enough funds soon; Then you can borrow some money from relatives and friends and pay it back when the funds are in place.
This concludes the introduction of how to deal with excessive credit card debt and total credit card debt. I wonder if you have found the information you need?