Nowadays, many people’s lives are under great pressure and they need money everywhere. Sometimes when they don’t have enough money, they choose to apply for a credit card. If you repay the money on time, your credit will be increased. If you have an overdraft, it may increase your credit limit. Repayment amount.

Recently, Ms. Tang from Chongqing had a credit card debt of 200 yuan and had to pay back 30,000 yuan after 11 years. What is the specific situation? The editor will take you to understand below.

Nowadays, many people’s lives are under great pressure and they need money everywhere. Sometimes when they don’t have enough money, they choose to apply for a credit card. If you repay the money on time, your credit will be increased. If you have an overdraft, it may increase your credit limit. Repayment amount.

Recently, Ms. Tang from Chongqing had a credit card debt of 200 yuan and had to repay 30,000 yuan after 11 years. What is the specific situation? The editor will take you to understand below.

1. What will happen if you owe 200 yuan on a credit card and have to pay back 30,000 yuan after 11 years?

1. Recently, Ms. Tang from Chongqing encountered a credit card incident. She owed 200 yuan on her credit card and had to repay 30,000 yuan after 11 years. She obviously owed only 200 yuan but eventually it turned into 30,000 yuan.

It turns out that Ms. Tang applied for a credit card when she and her husband were working in Beijing more than ten years ago, and overdrafted more than 200 yuan at that time.

Recently, the card owner learned that "interest compound interest" already owed the bank more than 30,000 yuan.

2. The lawyer said: “First, go to the bank directly to see if there are any errors in the calculated amount. If there are any errors, ask it to correct them. If the amount is correct, the two parties can negotiate (whether it can be reduced or reduced); No, she can go to court to sue the bank (requesting a reduction or exemption).

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2. What should you pay attention to when applying for a credit card?

Card users must distinguish between credit cards and debit cards. If you hold a credit card, that is, a credit card, then you must pay attention to whether there is an overdraft. If an overdraft occurs, you must Repay your loan on time to avoid affecting your credit score and causing losses.

If you don’t remember, you can follow the following methods:

1. Find out the overdue amount

First of all, you can call the bank, or Through the credit reporting system, check how much the overdue principal of your credit card is, and how much you need to pay back now, including late payment fees and interest.

2. Small repayment

If you remember incorrectly and the overdue amount was not more than ten yuan at that time, it does not matter, and no late payment fees or interest will be incurred. In this way, You can repay directly.

3. Prove that the overdraft is not malicious

For malicious overdrafts that are not repaid after the due date, if the amount exceeds 10,000 yuan, it may constitute a crime of credit card fraud.

When negotiating, it is necessary to explain that after swiping the card for consumption, you are unable to repay due to financial difficulties.

4. Try to negotiate with the bank to resolve the issue

Whether there is no annual fee due to consumption or added interest and late fees, credit card debt that has not been repaid for ten years must eventually be resolved. You should try your best to negotiate with the bank to reduce or reduce related fees and repay the credit card.

From the above we can know that Ms. Tang from Chongqing also took out an extra 200 yuan before the National Day with a fluke mentality, which led to the situation where she now needs to pay back 30,000 yuan, so we still advise those who are using credit cards Friends, please repay in time and don’t overdraw your balance!