Loans overdue for more than 90 days, the lender can take the lender to court and solve it through litigation. At this time, the lender will face the situation of compulsory repayment. Even if++determines that the lender belongs to the lender++,the lender may still suffer from jail. More than 90 days in loans overdue is a serious overdue behavior. Generally speaking, the number of overdue times in the past two years has accumulated more than 6 times or been overdue for 90 days in a row. If the lender does not actively respond to the lender's dunning after contacting the lender, it will cause more trouble if it is overdue. According to the regulations of most lending institutions, borrowers who are overdue by more than 90% will definitely be rejected, but the personal credit scoring standards of different banks are different. Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) defines an overdraft as malicious overdraft if it exceeds the prescribed limit or time limit and is not returned by the issuing bank for more than 3 months after twice collection. Malicious overdraft 1 10,000 or more and dissatisfaction with 1 10,000, which is deemed to be relatively large, shall be sentenced to fixed-term imprisonment of not less than++but not more than five years or criminal detention; From 65438+ 10,000 to 1 10,000, the amount is huge, and the sentence is more than five years 10 years.
What will happen if the credit card is overdue for 90 days?
Credit card overdue for more than 90 days will face the following consequences: 1, personal credit record is defiled. Since commercial banks have been connected to the central bank's credit information system, as long as individuals have credit dealings with banks, their credit information will be included in the personal credit information report. After that, it will be very difficult to apply for loans. Before accepting a loan application, the bank will first check the borrower's credit report. If it is found that it is overdue for more than three consecutive times or accumulated for more than six times in the past two years, the loan will be refused. "
First, if it is overdue for three months in a row, the consequences will be more serious. During this period, the cardholder must have experienced various repayment collections, including bank phone calls, text messages and third-party company collections. Therefore, the bank will of course regard the cardholder's failure to repay the loan after so many times as malicious overdue. And if the bank thinks it is seriously overdue and forms bad debts, then the cardholder will basically miss the loan in the future. In addition, cardholders who are seriously overdue may be investigated for criminal responsibility in addition to paying interest and liquidated damages and going to the credit information system. According to the revised decision jointly issued by the Supreme People's Court and the Supreme People's Procuratorate on October 28th, 20 18 165438/kloc-0, the maximum penalty for the crime of "malicious overdraft" is+++!
Second, in the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and made great progress in the past decade. After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.
The credit line is 90%. What is the significance of credit card status reminder? Or what's the impact?
The credit line is 90%. What is the significance of credit card status reminder? Or what's the impact?
Hello, everyone, I'm Kaka, focusing on credit card and banking, and I'm glad to answer your questions.
In response to the subject's question, Kaka made the following answers, hoping to help everyone.
Don't worry about the occasional overdose.
Such a reminder is generally that the cardholder's card habit touches the bank's risk control point, and the bank will automatically reply to the goodwill reminder. Remind the cardholder that your overdraft limit is about to run out, so please don't spend more than the limit. In fact, there is no need to worry too much about such a reminder.
Excessive overdraft is risky.
However, if you look carefully, what I said is, however, if the cardholder's credit card often exceeds 90% of the overdraft limit, the bank may suspect that you are doing abnormal consumption operations and are suspected of cashing out, and the bank may ask the cardholder to provide proof of consumption. If the cardholder fails to provide the voucher, it may be deducted or blocked by the bank.
It is beneficial to reserve 20% overdraft limit.
According to Kaka's past experience, I suggest you try not to exceed 80% of the total overdraft limit. If you accidentally exceed 80%, then we can pay back some money first, which will help protect the cardholder's credit card and the bank will not care too much about you.
Specific description: the credit card limit of the cardholder is 20,000 yuan, so the monthly credit card fee should not exceed 20,000 yuan 80 =16,000 yuan, that is to say, 20% overdraft limit should be reserved in the card every month. This is not only difficult to be controlled by the wind, but also helps to increase the quantity.
Will have a certain impact. Credit card spending is 90%, which is equivalent to full consumption.
In the first case, it depends on your overall credit limit. If your credit card limit is only 20,000 yuan, the consumption is18,000 yuan, and the consumption types are tourism, department stores, building materials, etc. The system will prompt you to spend a lot. Then you may get a call from the customer service staff of the bank to confirm whether it is my consumption and what is the purpose of consumption. If you spend 90% of the money regularly, the bank will ask you to provide corresponding vouchers or invoices to prove that the consumption is true and reasonable. Basically, it has a little impact, but it is not a big problem.
In the second case, your credit card has a large amount, for example, 300,000, and 90% of the consumption is 270,000, especially the one-time consumption is 270,000. The bank's credit card system must warn that this is a cash-out behavior, and the state prohibits using this money to invest or buy a house with a down payment. It is possible to receive the notice of limit sign and minus sign. Once a friend took his parents' credit card and swiped all the credit lines. Before long, he stopped the card directly.
I still have a credit card in my hand, and the maximum amount is more than 270 thousand. As long as I spend more than 10,000 yuan, the bank will call to confirm every time, prompting me to use the card reasonably.
Advise cardholders not to rely too much on credit cards and stay away from large-scale consumption. While unconsciously bringing economic pressure, it is also in danger of being blacklisted by banks for risk control, so it is best not to use up all the quotas.
It is not surprising that the credit card limit is 90% and the bank gives a status reminder. Just like mobile communication reminds you how much your mobile phone has spent this month and how much money is left. Let you save some phone bills in advance, or save some phone bills. Anyway, don't downgrade. The same is true of driving. When the oil has been used for a certain period of time, the indicator light will light up, which means to remind you that it is time to refuel. Pay attention.
There will be no substantial impact, but cardholders should be careful not to let this state continue. The bank also told you that the quota is running out, so relax.
So, the next time you use it, try not to be too full. If they exceed 90%, remind them that you should not exceed 90%. For people who use cards for a long time, be careful to standardize the use of cards.
In addition to not filling the card so full, you should also pay attention to the timely audit and repayment on time. If you have other credit cards in your hand, you can use more than one credit card instead, which will be wet and dry, so don't have a card disaster.
I focus on sharing financial content related to banks and close to life. Welcome to pay attention to Bowen Microfinance!
It doesn't matter, just remind you of the status of the credit card, how much credit has been used, how much balance is left, and so on.
What is the credit card limit?
Generally speaking, many people will tell you that it is best to control the credit card usage amount at 80%-90% of the available amount. This statement is currently accepted by most people, and many people have been using it this way. But the main purpose of issuing credit cards is to make money, so in general, the more you use them, the more money the bank will earn. Moreover, some banks have set a usage ratio that exceeds the available quota, which is generally 60% of the credit line of credit cards. That is to say, you can continue to brush the available quota after you finish.
However, from the moment you exceed the available quota, some banks will start to charge over-limit fees.
Why do banks have such settings?
I personally think that banks adopt this setting mainly to screen out those who have insufficient credit lines. If you often exceed your credit limit, it is obvious that your credit card limit is not enough for you. If it is repeated many times, then you apply to the bank for withdrawal, indicating that the current quota is not enough. In general, the bank will withdraw money from you because you have a record of exceeding it many times.
Why do cardholders often run out of credit cards?
When I say "swipe" here, I don't mean swiping a credit card, but swiping more than 90% of available credit cards. Frequently swiping my credit card will make the bank feel: 1. Your consumption level is high, 2. The current credit card limit can't satisfy you.
When these two conditions are combined, it will be much easier to apply for credit card withdrawal or temporary credit line. As long as your credit information is good, the general bank will give it to you, so you may often see many people say: if you want to return your credit card, you must always use it, and it is best to use up the credit card limit.
Will the amount used infrequently or rarely be raised?
Banks issue credit cards for profit. If you don't use it or seldom use it, the general bank will not give you a credit line, because the annual credit line of the bank is not unlimited, and there are specific figures. For example, the bank's total credit line 100 trillion, and now the bank gives you a credit line of 50 thousand. If your monthly credit limit is only within 65,438+00,000, then the remaining 40,000 credit limit is vacant. This is a waste of resources for banks, and the profit of resources is not maximized. Therefore, in the face of people who use less credit cards, banks generally don't give you an increase. If you don't reduce the amount, you should burn incense.
Is it really good to have a high credit card limit?
Maybe someone should spray this question. In fact, the credit card limit is not as high as possible. Although we are all pursuing a high limit, if you only need a limit of 50,000 per month, even if your limit is higher, it doesn't mean much to you, because you can't use more than 50,000 at all.
In fact, we pursue a high amount of money, and more of a kind of psychological stability, so that when we need funds or need money badly, we can have a credit card to help you tide over the difficulties, while at other times, we don't need such a high amount.
Therefore, the higher the quota, the better. If you fall into the trap of pursuing a high quota and swipe your credit card every month in order to withdraw the quota, resulting in a high handling fee, then you may be really doing something stupid.
Tips:
The money in the credit card is not your money. You have to return it after using it. If you can't use such a high quota, then don't try your best to win it, because the monthly handling fee can be saved, and there is no need to bump around for a high quota.
It still has some influence to come uninvited, which shows that the bank attaches importance to you.
0 1 If it is occasional, the credit card limit will reach 90%.
Don't worry if you occasionally use your card to swipe it several times a month. Just as our traffic is almost at the bottom, mobile will also send us a message to remind us. This is the bank's reminder that your credit limit is about to run out, so be careful not to overdraw.
02 frequent card swiping
If the credit card remains almost empty for a long time, it is obviously a high-risk customer, and the bank may have included you in the risk control scope. Sometimes we pay in large amounts by credit card, and the customer service of the bank will call to ask if it is for my own use. I often swipe my card for 90%, and the bank may ask for proof of consumption to verify whether it is real consumption. For such a high-debt customer, the bank will suspect that you are cashing in, and then doubt your economic ability. In order to reduce the risk, it is not impossible to reduce the number of cards.
03 abstract
Don't rely too much on credit cards. Credit card is not a cash cow. Rational consumption should be moderate to avoid cashing out and overdue. Credit records should be cherished, and rational use of cards is more reassuring.
The credit line is 90%. What is the significance of credit card status reminder? Or what's the impact?
This problem also happened to me. Let me talk about my views on this issue.
If the credit card limit is 90%, the bank will send a short message or a pop-up reminder of the third party information bound to the credit card. So what impact will this status reminder have on credit cards?
When the credit card limit exceeds 90% of the total amount, the bank reminds you not to overuse it, or you can repay it in advance and continue to use it. As long as you continue to use the card normally, not for a long time, and you can repay it on time, this will not cause any adverse effects on the credit card.
However, if it is a large, directly super-large credit card, or the credit card limit repeatedly exceeds 90%, then you should be careful. If the bank detects illegal card use, the bank may freeze the card and ask you to return the credit card at one time after being controlled by the wind.
Especially for credit cards with a relatively large amount, if the information you reserve in the bank is not business income, if an ordinary office worker earns 5000 yuan a month, it is abnormal to exceed 90% in this way. Therefore; Some card friends will be suddenly downgraded or frozen, which is also caused by improper use.
90% of the credit card quota has been reminded, which also shows that the bank has begun to pay attention to you, because your card usage has triggered the bank's risk control mechanism. Excessive card usage in a single month has led the bank to take risk control measures to avoid future card use risks.
Generally speaking, it is not recommended for cardholders to overuse credit cards every month, and it is best to control them within 80%. Excessive use of credit cards is not only an over-reliance on credit cards, but banks believe that cardholders have economic problems.
Of course it depends on the specific situation. Not all cardholders will be treated like this by banks. Generally speaking, as long as they pay attention to using the card every day, it is not a big problem. Moreover, some banks also encourage multi-purpose cards. The more you brush, the faster the quota will be raised, such as Ping An Bank. Of course, the premise is that they have the right posture.
Improper summary of card use behavior:
1. The limit of a single credit card is too high. It is generally recommended that a single credit card should not exceed 30,000.
2. The daily cumulative consumption amount should not be too high, and it is best to control it within 100000.
3. Pay attention to the daily use of POS machines, and pay attention to simulating normal consumption when swiping cards.
4. Try not to swipe your card at night or other non-business hours.
5. Brush less large transactions and brush more small transactions. Under normal circumstances, we rarely have the demand for large-scale consumption.
6. The credit card limit should be appropriate, such as 999, 1000 and so on.
7. Don't leave your credit card empty for a long time. A long-term empty card means that you have no money.
8. Remember not to go in and out in a big way, but to go in and out in a small way to avoid this obvious cash-out behavior.
9. Repayment should be reasonable. Don't pay in full. It is very good to pay by installments occasionally.
10, the POS machine must be better, and it is easy to skip codes, and it is the easiest to be downgraded and blocked.
In fact, the rational use of credit cards is very simple. To sum up, using one or two medium or large transactions a month can brush a dozen or twenty small transactions, which is not reasonable and can achieve the effect of raising cards. Of course, the performance of your own POS machine is the most important. Reasonable credit card records and reliable credit card tools are basically not controlled by bank risks.
In the case of the landlord, I think there should be improper card use and obvious malicious behavior. Therefore, in case a friend still has some control over the way he swipes his card, it doesn't hurt to be diligent and brush it a few times more, and it won't delay too much time. Don't always swipe tens of thousands of cards. It's not normal at all
Observe risk
It is normal for the bank to remind you that the credit card limit is 90%, so as to prevent you from swiping an empty card, which will lead to the phenomenon of overdue in the later period. Every bank has a set of risk control standards. If the credit card limit is often used to 90%, it will have a great impact on the later withdrawal, because the bank will think that you are short of money and your economic situation is not very good. In order to reduce the risk, few banks use more than 90% cardholders within the limit. The normal utilization rate of credit card limit is to brush off 70%-80% of the limit every month, because so many limits are used every month, and this limit range is less risky for banks and banks are relatively profitable. For example, if the quota is 654.38+100000, 7000-8000 will be deducted every month. Why do you brush like this? The bank will only increase your quota if it feels that it is not enough. Generally, you will be given a temporary amount first, and then a fixed amount.
Finally, I would like to remind you that credit cards should never be empty for a long time or the available amount is very low. If you do this frequently, you will be included in the risk control group by the bank. If it is serious, your line may be lowered, because banks don't like to give more money to people with poor economic conditions. They like people with good economic conditions or plenty of water, because it can bring them many benefits. Also, don't make overdue and frequent minimum repayments. Such people are also the risk targets of bank risk control! Use credit cards reasonably to avoid high-risk investment purposes such as excessive consumption!
Finally, it is concluded that if the credit card frequently exceeds 90%, it will be monitored by the bank's risk control system, which will affect the later cash withdrawal and the loan behind the bank.
The interesting answer is congratulations. Your credit card limit is running low. Your credit card record in our bank is very good. We have decided to give you an extra temporary limit of 10,000, and continue to use it, preferably the minimum repayment amount, so that the bank can earn interest!
What if the credit card is overdue for more than 90 days?
Generally speaking, it is not too serious for a credit card to be overdue for 90 days, but it is certain that your overdue behavior has been recorded in the central bank's credit information system by the bank, resulting in a bad credit record. If you are 90 days overdue, see why you are overdue. If you really have no money, you should transport the card, pay back the money and make training records. It's really not enough. You can choose the minimum repayment amount.
First, the disadvantages of overdue credit cards:
1. Credit card late payment fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.
2. Overdue interest.
3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.
4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and file a lawsuit against++,and the legal fees will be borne by the cardholder.
5. Criminal responsibility for malicious overdraft.
6. Credit card records only show the last 24 months, and previous records are hard to find. So don't cancel your credit card after you have a bad record, and don't care if the bank urges you to cancel it in time. As long as the cardholder spends at least 1 yuan every month in the next 24 months and repays on time, the previous bad record can be overwritten and a good record can be regenerated without affecting the subsequent credit.
7. Banks will also be people-oriented. As long as the bad records are not uploaded to the system, usually 90 days, the cardholder will take the initiative to contact the issuing bank, explain the reasons and take corresponding remedial measures, and the bank will generally help customers eliminate bad credit records.
Second, the interest algorithm for overdue credit cards:
1. After the credit card is overdue, the bank will calculate the interest at the rate of 0.05% on a daily basis, starting from the time when the consumption is recorded. In addition, after the credit card is overdue, the bank will charge a certain late payment fee, which is 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is 10% of the current bill payable.
What happens if the credit card is overdue for 90 days? There will be these serious consequences!
Credit card is a good way to borrow money for people who need it badly. In addition to the function of overdraft cash withdrawal, there are credit card loans, installment payments and so on. As long as the personal credit is good, it will arrive soon after submitting the application. Credit cards must be repaid on time, otherwise there will be serious consequences if they are overdue. Some users have been overdue for more than 90 days. What will happen?
1, the annual fee is overdue
The biggest feature of a credit card is that it can get a free quota. Except for the annual fee and loan installment fee, it is basically a free credit tool, and the annual fee can be offset by the number of credit card swipes.
However, this happens to many users. Not using the credit card after activation or not swiping the card for a long time may lead to annual fees, which need to be repaid in time, otherwise it may be overdue, more serious than 90 days.
If the annual fee is overdue, you can try to find a bank to explain the situation. If you have the opportunity to repair the credit information, remember to repay it in time. If you don't use it, you can cancel your credit card.
2, stolen brush overdue
Some friends' credit cards are used by family and friends unwittingly, or their credit cards are lost,++information,++and so on. So they should contact the police at the first time and explain the situation to the bank. Don't think it has nothing to do with yourself. After all, the stolen credit card binds your own credit record, which has a great influence on buying a house and a car in the future.
3. Malicious overdue
If the overdue time exceeds 90 days, the credit records are basically black accounts. Before accepting a loan application, the bank will check the borrower's credit report first. If it is found that there is a serious overdue in the past two years, it is difficult to handle this business again.
In addition, the bank will calculate the penalty interest after the credit card is overdue. The longer the time, the higher the cost. On a daily basis, it is generally calculated as 5% of the unpaid part of the minimum repayment amount, with a minimum of 10 yuan (RMB).
The introduction of credit card 90 and credit card 9000 points1February ends here. I wonder if you have found the information you need?