The bank cannot forget. This situation usually occurs because the bank is delayed by something, or your contact information has changed and the bank cannot find a way to contact you, so there is no one to press for payment. The specific details are as follows: The bank does not press for loans, but it takes advantage of your luck to earn your fines

What is so scary about credit cards? Overdue fines are extremely high. You owe 10,000 yuan on your credit card and you haven't paid it back overdue. After half a year has passed, you will find that the penalty interest alone is thousands of dollars.

For some credit cards, the monthly penalty interest is 5%, 30% for half a year, and 60% for one year. You owe 10,000 yuan, and if you are overdue for half a year, the penalty interest will be 3,000 yuan. If it is overdue for one year, the penalty interest will be 6,000 yuan. This is not loan sharking, but it is scarier than loan sharking. And the most important thing is that the overdue credit card interest rates are compliant.

The interest rates on loan sharks are high. You can also go through judicial procedures. If the interest rate is 36% higher, you don’t have to pay it back. Portions between 24%-36% can also be negotiated. But you don’t have to negotiate the overdue interest on your credit card. As long as the bank doesn't back down, you have to pay it back. Many banks deliberately do not call to demand loans. The purpose is to make you hallucinate, keep dragging it on, and then the penalty interest will keep rising. It relies on overdue penalty interest to make your money.

Although it is very unethical for banks to do this. But you can't refute him from a legal perspective, it's not illegal. Why is the penalty rate so high? Because you didn’t pay it back overdue, and you didn’t pay it back for a long time. So, never have unrealistic illusions. How could the bank forget the money you owe the bank? I don’t care about you for the time being, there is a purpose, that is to make more money from you in the future. Another possibility is that there are too many overdue people. Your amount is very small and it is not the first thing the bank needs to deal with. Once the bank has processed those large amounts, it will start looking for you.

In the past two years, due to the impact of the epidemic, many small businesses have been unable to sustain themselves, and the income of many wage earners has been greatly reduced. For example, when I work in a bank, I have lost at least several million-level customers from last year to now. The business cannot continue, so they need to withdraw their savings, pay wages to workers, or repay loans. Many people have overdue credit cards and loans, which is a very common phenomenon. For example, if you owe 10,000 or 20,000 yuan on your credit card but have not paid back, they are all small amounts.

Many people have overdue credit cards of more than 100,000 yuan, or loans of hundreds of thousands or millions of dollars. In the end, they have no money to pay back, and they can only watch it become overdue. The bank only has so many employees, and the business it can handle every day is limited. Those with large amounts will definitely be prioritized before the smaller ones. Wait until the tens of millions of items are processed before dealing with the millions of items. Then we will deal with hundreds of thousands of levels, and finally we will deal with tens of thousands of levels.

I have your detailed information anyway, so I’m not afraid of you running away. Moreover, there is also a large amount of penalty interest every year, and the bank will not lose money if it does not pay for it in a short period of time. You owe the bank money, unless it's a very small amount. The bank feels that taking time to deal with it is not worth the gain and may treat it as a bad debt. In addition, the bank will call you one day and urge you to pay back the money. Consumption in advance is a very bad consumption habit

Consumption in advance has become a habit of many young people. According to statistics, the per capita debt of my country's post-80s generation is close to 200,000. my country’s post-90s generation has an average debt of 120,000 per capita. Many people owe money on their mortgages and car loans, but they still understand. But many people swipe their credit cards just to spend money, which is digging a hole for themselves.

It feels good to spend money for a while, but you will be ruined when you pay back! Don't fall into the deep pit of debt. It's easy to jump in, but it's hard to get back out!