The credit card has expired for three years. Why don't banks charge money and sue now?

The bank will directly hand over the overdue collection work to the third party for collection. If the three-party collection is still useless, it will package these bad debts to the asset management company for them to deal with, but no matter how it is handled, the debtor's credit stain will definitely not be washed away.

Invalid bank collection will be handled directly by a third party.

Some people may find that your credit card is overdue in the early stage, and the bank will keep calling to collect it, but it will not be collected after a long time. Is it unnecessary to pay back the money? Of course, you have to pay back the money, but the bank may not continue to collect it because the amount you owe is relatively low. After the first month of collection, the bank found that you still didn't pay it back, so some banks will continue to collect the money in the second month. If you haven't returned it, the bank will directly package your account and materials and hand them over to a third-party collection company. At this time, the bank will not continue to manage your collection, but will let these outsourcing companies come.

If the bank has packaged your information to a third-party collection company, but still can't recover the arrears, then the bank will make a risk assessment according to the overdue amount and time. If the overdue amount is less than 30,000 yuan, the bank will conduct risk assessment and credit assessment according to the previous consumption habits and installment times of the account owner.

After the bank's risk control assessment, it will hand over the information to the asset management company.

If the overdue householder is able to repay according to the comprehensive evaluation, the bank will continue to communicate with you in the first half of the year. Some concession measures can be taken, such as only accepting the principal and reducing the interest. However, if it is found that the householder cannot repay the loan on time and the overdue amount is within the bank's risk control line, then the bank will treat this account as a bad debt, and each bank has its own bad debt rate. The bank will directly package these overdue amounts in the safety line and sell them to the asset management company. After receiving these funds, the asset management company can start selling. If it is found that the overdue amount is overdue in the bank,

Credit information is very important, don't lose big because of small.

Some banks may not collect money so closely. After several reminders, the bank will not continue to urge. However, the collection work of some banks will be closer, because the assessment indicators are strict, and most of the collection personnel can turn money into performance after successful collection. Even after a very long time, these banks frequently call debtors, and some even call their relatives and friends, which will bring certain negative effects to debtors.

In fact, young people nowadays have the habit of spending more or less in advance. This habit is undoubtedly a bad habit. If you can't live within your means, at least you should control your consumption habits to avoid irreparable consequences for yourself. It is inconvenient for you to owe money to the bank, let alone bring black spots to your personal credit information. Even if the economy improves in the future, you want to make up the money, and the black spots on the credit information can't be erased. It will also affect the subsequent mortgage, car loan and subsequent investment. This account is actually very uneconomical for the debtor. If the money owed is really small, it is better to borrow it from relatives and friends and quickly fill this hole.