Is it true that the credit card is overdue for home visits?

If the user's credit card is overdue, the bank will generally collect it by phone or SMS, including the outsourced third-party collection company. But it doesn't mean that the bank won't come to the door, and it is still possible to know the situation at home. But now it is basically impossible to see the house, and it is likely to violate the rules if you are not careful.

In addition, in the process of credit card collection, it is not allowed to harass a third party or threaten or abuse the debtor himself. Users can keep relevant evidence to complain to the bank headquarters or China Banking and Insurance Regulatory Commission, China.

Overdue credit cards will not only report credit reports, but also leave credit stains on them. If the situation is serious, it will be prosecuted, including the bank will continue to accumulate penalty interest throughout the overdue process. Therefore, users are advised to contact the bank to negotiate a new repayment plan if they want to repay.

1. What are the consequences of overdue credit cards?

If you use a credit card, you can generally enjoy an interest-free period ranging from 20 days to 50 days. However, if the interest-free period has not been repaid, our bill will be overdue, and the corresponding primary punishment is that we have to bear the corresponding overdue interest.

The main impact of overdue is not penalty interest, but our overdue records will be uploaded to the central bank's credit information system, so we will also leave bad records caused by overdue. If the credit information is tainted, it will have many influences, such as our subsequent mortgage and car loan, personal travel, employment and so on.

If the overdue period reaches a very serious state, it will constitute a malicious overdraft, which will be identified as the crime of credit card fraud. Sentencing standards will be implemented according to the amount of our malicious overdraft, including fixed-term imprisonment of less than five years or life imprisonment, less than five years and less than 10 year, and a fine of more than 20,000 yuan but less than 200,000 yuan, more than 50,000 yuan but less than 500,000 yuan, or confiscation of property.

If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.

If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.