Joke Collection Website - Blessing messages - Will the inability to repay credit cards affect children? Will the inability to repay your credit card affect your children, Zhihu?

1. Will the inability to repay credit cards affect children?

Will the inability to repay credit cards affect children? Will the inability to repay your credit card affect your children, Zhihu?

1. Will the inability to repay credit cards affect children?

Will the inability to repay credit cards affect children? Will the inability to repay your credit card affect your children, Zhihu?

1. Will the inability to repay credit cards affect children?

If the credit card is overdue, it will generally not affect the cardholder's children. If the cardholder is included in the list of people who have lost their trust, it will have an impact on the cardholder's children attending some high-priced private schools, and generally they cannot attend high-priced private schools. After the credit card expires, the cardholder needs to bear the following legal consequences:

1. If the credit card is overdue, there will be a late fee of 5% of the minimum repayment amount, and the bill will be fined in full. The average bank will calculate at 0.05% per day, and the interest will be compounded monthly.

2. Overdue records will be included in the central bank's credit information system, and overdue records will be included in the personal credit information report. Bad records will be kept for 5 years, and the overdue amount is large. If the overdue amount exceeds 3 months in a row, it will seriously affect future mortgage, car loan and credit card applications, and the future credit life will also be seriously affected.

3. If the credit card is not returned within the time limit, the bank will collect it. If it is not returned for more than two times, it will be directly handed over to the collection company. If you still insist on not returning the credit card, the bank will freeze the credit card and blacklist the cardholder. The bank will automatically cancel the card until the debt is paid off.

4. If the overdue amount is large, it may constitute the crime of credit card fraud.

2. Can the motor vehicle be enforced if the credit card is unable to repay?

Motor vehicles that meet the following conditions at the same time may be enforced:

1. The legal documents applied for execution or transferred for execution have come into effect.

2. The application executor is the obligee determined by the effective legal document.

3. The application executor applies within the statutory time limit.

4. The legal documents applied for execution have payment contents, and the subject matter of execution and the person to be executed are clear.

5. The person subjected to execution refuses to perform his due obligations.

3. What are the solutions to credit card insolvency?

1, borrow money from relatives and friends to temporarily make up for the loophole.

If it is only a temporary situation, there will be enough funds soon.

2. Apply for deferred repayment.

In case of emergency, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Tell the customer service about your real situation, and then apply for deferred repayment.

3. Apply for suspension of payment and installment repayment.

The situation is serious and the repayment is relatively difficult; You can contact the bank customer service. Provide relevant materials to apply for deferred repayment and installment repayment.

4. Apply for credit card debt relief from the bank.

Negotiate with the bank to reduce credit card debt. If negotiation fails, credit card debt can be reduced or exempted through judicial organs.

For those cardholders who are unable to repay their credit cards, it will not have any impact on individuals if they negotiate other repayment methods with the bank in advance. Those who are unable to repay their credit cards and do not take the initiative to contact the bank will have the above legal consequences. If the children have the corresponding income and can't afford the credit card, they can borrow money from their children to pay off their debts first.

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