Is it true that you want to travel abroad after your credit card is overdue?

1. Is it true that your credit card is overdue and you want to travel abroad?

It's true that credit cards are overdue for home visits. The specific method is as follows:

1, don't avoid the collection staff: if the bank collection staff comes to collect money, if the collection staff has a good attitude, don't have unnecessary conflicts with the collection staff, and don't play "missing", because as long as the repayment is made as usual every month after the deadline, there is nothing to worry about.

2. Negotiate repayment with the bank ... If an individual has financial problems and can't repay in full, he can negotiate repayment with the bank and ask the bank to extend the repayment period or reduce the interest, but don't avoid the bank's collection, so the credit card interest will only increase.

Second, what will be the impact of overdue credit cards?

1, penalty interest for overdue credit card;

2. overdue interest;

3. Bad credit record;

4. Criminal responsibility for malicious overdraft;

5. Credit card overdue repayment records will be recorded in the central bank's credit information system, resulting in bad credit records;

6. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft.

3. What if the credit card is sued for overdue?

1, regardless of the consequences

If the cardholder does not respond to the lawsuit or negotiate, it is likely to be enforced by the court and become a faithless person, which is often called "Lao Lai". No one wants to see children in trouble. If there is really no executable property in the name, there must be a willingness to repay it. If you have "malicious overdraft" behavior, you may go to jail.

2, the correct way to deal with being sued.

Being sued for overdue credit card shows that the overdue degree is very serious and it is urgent to contact the bank. The purpose of bank prosecution is to collect debts. If the cardholder can promise to repay in time, the bank will generally withdraw the lawsuit. When the economy is really difficult, try to negotiate with the bank to repay the loan in installments.

What should I do if my credit card is not collected?

I remind you: when we spend on credit cards, if we spend unreasonably, we will overdraw. Once we are unable to repay, the bank will call for debts, and we should take the initiative to negotiate with the bank to explain the situation and apply for the minimum repayment amount or installment repayment.