Is it illegal to overdue a credit card? Isn't it illegal to overdue a credit card, Zhihu?

1. Is it illegal to overdue a credit card?

Whether overdue credit cards are illegal depends on the

Is it illegal to overdue a credit card? Isn't it illegal to overdue a credit card, Zhihu?

1. Is it illegal to overdue a credit card?

Whether overdue credit cards are illegal depends on the situation:

1. In general, overdue credit cards are civil acts and will not be considered as crimes;

2. However, if the overdue amount of the credit card is large, overdue for more than three months, and it has not been repaid after being collected twice by the bank, it is a malicious overdraft of the credit card, which may constitute the crime of credit card fraud. If all debts can be paid off in time before the judgment, criminal punishment may be mitigated or exempted. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Second, how to negotiate with the bank to solve the overdue credit card?

1. Judge whether you are really overdue.

Most banks provide service for about 3 days. If the repayment is made within the grace period of the bank, there is no need to negotiate. This is neither overdue nor on credit. And if the overdue time is short, there is no need to negotiate full repayment.

You know, the influence of overdue is increasing with the overdue time. The longer it is overdue, the more serious the consequences will be. Generally, overdue for more than 3 months will be blacked out by the bank, and overdue 1-3 months is the best time for negotiation.

2. Negotiation method for overdue 1-3 months

Contact the credit card center immediately and explain the reason for your overdue. Definitely not malicious overdue. Sincere negotiation attitude is conducive to negotiation, so cardholders should also show a strong willingness to repay. Then inform the bank of your income and put forward a reasonable repayment plan according to the actual situation.

3. What should I do if my credit card is overdue?

1, take the initiative to negotiate in combination with facts.

Originally, the cardholder was overdue and may have accumulated more interest. Everyone should take the initiative to negotiate with the bank, instead of thinking about one step at a time and asking for interest rate cuts. Focus on reality. Explain your income and strive for a personalized staging plan.

2. Show a positive willingness to repay.

The bank has a policy of stopping posting, that is, suspending interest calculation and processing after posting. In the case of major changes in the economy, cardholders are really unable to repay, and showing positive willingness to repay will help improve the success rate.

3. Provide proof of economic difficulties

It is not good for banks to stop paying interest and hang accounts. You'd better come up with materials that can make the economy difficult, such as unemployment certificate, serious illness/hospitalization certificate. If the credit card is simply maxed out, the bank will definitely not agree to negotiate.

After using the credit card, if the inability to repay will lead to overdue, you should take the initiative to negotiate with the bank, clearly state the reasons for not repaying on time, and apply for the minimum repayment amount. When negotiating with the bank, you must have a good attitude. Meet the requirements of the bank, can extend a certain period.