What does it mean to formally file a case for overdue credit?

1. What does it mean to formally file a case for overdue credit extension?

It is your bad credit record that affects your credit rating, and it may be difficult to apply for credit cards and loans in the future.

Credit malicious overdraft filing means that the user is suspected of malicious overdraft, and the lender has identified the overdue behavior of the user as malicious overdraft, and will establish your criminal file for filing. Malicious overdraft can be divided into general illegal malicious overdraft and criminal malicious overdraft.

2. Will credit card overdraft affect the loan?

There is a certain lag between your credit history and your actual repayment. The minimum repayment amount of your credit card has not been paid recently, which should be considered overdue. Provident fund loans should be a bad record that does not require credit reporting within 2 years. Therefore, you should get a loan as soon as possible before your bad record is uploaded to the People's Bank of China.

Third, will credit card overdraft affect loans? Does it affect the credit card overdraft when handling the loan?

1. Will credit card overdraft affect the loan?

Credit card overdraft will affect the loan, but if the user has only one overdue record, it will not have much impact on his credit, and most banks will handle the business for him normally.

If the lender fails to repay the loan within the prescribed time limit for three consecutive times before applying for the loan, or has overdue repayment for more than six times in two years and the overdue period, it will be regarded as a bad credit record by the bank.

Banks will refer to many factors, such as personal qualifications, houses and cars under their names, income, bank policies and so on. , not just overdue conditions.

Second, how to remedy the overdue credit card?

1. Keep using this card.

The credit card has expired, so don't stop using it. This will be considered by the bank as a deliberate overdraft of the credit card and not paying back the money. So, after the deadline, if possible, please pay off all the money you owe as soon as possible. At the same time, you should continue to use this card and keep a normal repayment record. Generally, after 24 months of use, a new credit record will be generated and a new personal credit will be refreshed.

2. Never run away.

If the overdue amount of the credit card is too large and the overdue time is long, the interest will bring high late fees. In this case, even if you are unable to repay, don't run away, because once you run away, the bank will think that you are maliciously overdrawn and will call the police.

3. Inability to repay requires timely explanation.

If due to special reasons, such as unemployment, illness, etc., unable to repay in a short time. Submit materials to the bank in time and state your financial situation so as to explain to the bank that it is not malicious arrears and try to apply for deferred repayment and interest concessions from the bank. Specifically, there are several ways to try: apply for deferred repayment a few days later; Apply for bill installment to ease the repayment pressure in a short time; Try the minimum repayment amount;

4. Full repayment and supplementary explanation.

If the credit card is overdue due to negligence, you must ask for all the money as soon as possible after it is found overdue. At the same time, call the bank or go directly to the bank outlet to explain the reasons for overdue, and ask the bank to eliminate overdue records. These should be handled before the bank reports your overdue records to the People's Bank of China. Once reported to the People's Bank of China, it will be too late.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.

4. Does credit card overdraft affect loans? Can I overdraw my credit card?

Credit overdraft. If credit card consumption and repayment are normal, there is no malicious overdraft or overdue repayment, and a good credit record is maintained, then credit cards can still be loaned if they are overdrawn.

The credit card issuer gives the cardholder an overdraft limit during the card holding period. For credit cards, it is allowed to "consume first, then repay". Overdraft is an important feature, so it should be "deposit first, then consume". However, if it is determined to be good after examination, the cardholder is also allowed to use emergency money. Overdraft interest is generally much higher than bank loans in the same period, and card issuers still have losses.

Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. A form of loan used to withdraw cash through bank counters or ATM machines. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).