Alipay's credit card is completely overdue. How did you handle it?

The most effective way is to go ashore by force, make a phone call and record with all platform banks, and make it clear that you are insolvent and unable to pay your debts, and life has become a problem. I asked the bank to stop paying the bill, and now I am trying to pay back the money. Please give me some time. The banking platform will definitely not agree with you, and then all the official selective collection calls will be answered, and all the third parties will not answer, and the evidence of the address book will be kept. Slowly endure, put down your face and you will find that it is not as terrible as you think, and your mentality has been adjusted. Next, they will ask you to pay back the principal. Don't pay attention to him who explodes the address book. If you have money, deal with the online loans of banks that rarely contact and don't explode the address book first, and then deal with them later. In short, whoever explodes the address book will be dealt with last. Don't borrow money, and don't ask relatives and friends to lend money to help you pay it back. You can do it alone. Life goes on as usual, just a little embarrassed. I don't know much about you. Come on, get through it together. [Touching his head]

If the principal of the credit card falls below 50,000, get divorced quickly, transfer the property to the name of the daughter-in-law or the name of the parents, take care of yourself first, and then save money to pay back the principal without interest. If there is no property in the name, it will generally not be prosecuted. Even if you sue, there is nothing to enforce.

I answered the phone a few months ago with a good attitude and expressed my willingness to repay. After 3-6 months, it doesn't matter whether the phone is answered or not. Don't be afraid to come to the door. Usually coming to the door means talking. Nothing will happen now.

Again, what should be returned should be returned. But people have to live first, not back and forth, so all they have to pay is interest and handling fees. Sort out the debts, pay them back one card at a time, and say another when you have enough money.

Let me start with my attitude towards debt:

Paying off debts is a matter of course. Alipay and credit card money must be paid back. If you can't repay now, please increase your income and try to pay off your debts as soon as possible.

Next, how to deal with collection during the debt period:

According to the subject, there are dozens of collection calls every day. I don't know how many credit cards are overdue. Let me count six, plus Alipay, that is, seven platform banks have to pay off.

How many specific phone calls are unclear every day? Let's count them as 30. On average, each platform has about 3 calls every day, which is not considered as violent collection. However, if a single platform or bank calls more than 6 times a day, please immediately complain about violent collection. Otherwise, the collection will only get worse if it sees that you are indifferent to their violations!

Remember, but in the process of collection, you have to complain and deal with anything they say is slightly illegal. Don't think about "let him go this time, remind him once, and hope he will correct it next time." It's no use. Instead of thanking you for your generosity, they will think you are weak and deceptive.

As for the topic, I panic when I see the collection, because my mentality is wrong. Do you owe that money? Is there any violation of law and discipline? You didn't. What are you afraid of him? I can only call you to collect debts. What else can I do to you?

He is not your creditor. Why should you be afraid to face them? You're afraid of the wrong person, understand? It is easy to break this fear. Find one of the offenders, report the complaint to him, and then ask him to apologize to you. When you finish this step, I believe your fear will dissipate.

It is true that our debtor defaulted on his debts, which is really our fault. But that doesn't mean we're still being slaughtered for this. We should take action and say "no" to violent collection.

I am a small continent dedicated to debt negotiation. I hope my sharing can help everyone and live up to my original intention!

Finally, Zhou Xiao wishes everyone to go ashore as soon as possible and pay off their debts!

A friend of mine said that he spent 65438+ 1 billion on business because of credit cards and online loans. Later, business losses led to the break of the capital chain, which completely exceeded the amount he could repay, resulting in overdue credit card loans. But now he really has no money to repay, so he calls him every day to urge him to repay. He said he was under great pressure and didn't know what to do. What if I receive a collection call every day after the online loan is overdue?

After the debt is overdue, it is really the beginning of a nightmare. Every day, there are countless phone calls from all over the country to express condolences to you, affecting your company, your friends, your family and so on. However, internal bank collection should not be evaded. Usually 955 or the landline of the local bank calls you. Try to answer when it is convenient and express a repayment intention with the bank. I didn't mean to pay it back, but I was temporarily unable to pay it back, or explain why the credit card was overdue.

As for the outsourced third-party collection agencies, many of them don't care about human feelings, which simply doesn't make sense. Sometimes, they even routinely collect debtors, and you can choose whether to answer the company phone or not. If you want to go ashore, you must know how many platforms you have borrowed, which are formal, which are illegal, which are on credit and which are not. If you don't know anything about your online loan records, you can learn about online loan big data in official WeChat accounts such as Jianwei Data. There are detailed data about online loan application records, overdue details of online loans, blacklist information and debt details. In the face of this informal collection, we should pay attention to the following points.

1, adjust your mentality. It is not terrible to owe online loans overdue. The terrible thing is that collectors put pressure on themselves and make them nervous. In fact, almost all the pictures of fake lawyers threatening to come to the door and issuing subpoenas are fake, but they are just a means to collect money. From a legal point of view, after the online loan is overdue, the dispute between the borrower and the platform is only a civil dispute, and the collection personnel have no right to intimidate or threaten the borrower. As a borrower, we must first adjust our mentality. Overdue online loans are not the end of the world. What should we do in life? Don't worry too much.

2. In the face of violent collection of online loans, we must learn to take up legal weapons to protect ourselves. After the online loan is overdue, the collection staff of the online loan platform kindly reminds the borrower that it is reasonable and legal to collect it moderately. However, it is illegal and criminal to take violent collection by means of exploding address books and sending photos in groups. In this case, the online lending platform has an unshirkable responsibility.

3. Do not repay illegal interest. According to the law of China, the annual interest rate of private lending shall not exceed 36%, and the excess interest is illegal and need not be repaid. The vast majority of online lending platforms in the market have illegal interests, whether it is guarantee fees, handling fees, platform fees, etc. The sum of all expenses shall not exceed this standard stipulated by law. If it exceeds this standard, it can be identified as illegal interests. Don't pay back a penny!

First negotiate the investment card in stages, and then deal with Alipay, which cannot be delayed. They will not only take legal measures, but also charge a high penalty interest. In addition, if you have something to borrow or something to realize, you'd better pay it off in one lump sum. After all, it is only about 65,438+10,000. First of all, this is the most economical method. Second, they are really not to be taunted. If you save enough money, the amount will definitely be large. The key is to cure you a crime during this period and eat it for life!

Paying off debts is a matter of course. Don't be afraid, be confident in your heart, don't think too much, making money quickly is the main thing. Don't let all kinds of dunning calls and text messages affect your life and mood. Living is the most important thing. Remember that you owe money, not life. Now is the legal age, we owe money, but we also have the right to safeguard our rights and interests.

Because of the loss in business last year, several credit cards of China Everbright, CITIC, Communications, Xingye and Minsheng Bank were overdue. In the second half of last year, I was still robbing Peter to pay Paul, trying to pay the minimum repayment amount, but once I checked the bill of Industrial Bank, I found that the monthly penalty was more than 700 yuan, so I simply let my credit card expire. In this way, the credit cost of robbing Peter to pay Paul is too high, so we can only negotiate with the bank to repay by overdue installments.

At the beginning of overdue, the bank dunner will tell you all kinds of overdue consequences, but to be honest, who wants to make fun of their credit information, if they have the money to pay the minimum repayment? The bank will send you all kinds of text messages and phone calls for collection. You can tell them the current situation and the current situation truthfully, and tell them that they can come to your home to investigate.

Don't be afraid of exceeding the deadline. You should answer the phone and have a good attitude. If the collector has a bad attitude or threatens you, don't be afraid of what procedures the company will start if you don't pay back the money today. As long as their collectors threaten you or explode your address book, you can complain to the Internet Finance Association or the Banking Regulatory Bureau. You can also call customer service to complain about the attitude of their collection staff and tell them the current situation, and the collection staff will basically converge.

You can call their company's customer service phone and tell them that you owe money now. Please don't contact my family or friends without losing contact. There are old people, children and women at home. If anything happens, I will sue your company in court. Generally, regular banks will not contact your emergency person or family again. For those friends who contact you or call your company after you call their customer service to register, you can use the reminder of 202 1 March 1 to inform them. Remember to record the phone call, save the threatening information they sent you, and let your friends or family record the phone call.

The following is the collection law implemented in March this year 1:

Today 202 1 will be officially implemented on March 1 day!

Under any of the following circumstances, whoever illegally collects high-interest loans, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined:

(1) Using violence or coercion;

(2) restricting the personal freedom of others or intruding into others' houses;

(3) intimidating, stalking or harassing others

That's what I did. CITIC Bank promised not to call me in the last month, and Everbright didn't call me either. Now Minsheng always sends me some short messages, and now many banks rarely call me. Recently, through negotiation with traffic, I was asked to provide the credit report and income certificate of the last month, and promised to give me the installment. When it comes to staging, we must remember that we must talk about exempting liquidated damages, stopping paying interest, and trying to maximize the number of staging. However, we must bear the resulting credit and credit card suspension.

Don't be afraid when answering the phone, be confident, and don't be scared by the unscrupulous nonsense of the collection staff. They will get a high commission for chasing a sum of money.

What if the bank doesn't allow installment at present?

Don't worry about this. You have to pay part of the money back to your credit card every month, call the bank every month to inform you to negotiate repayment, and make a telephone recording. Contact the bank for several months to negotiate, and many people finally succeeded in negotiation. After all, the bank wants to get the money back. There can be no second overdue after negotiation and staging, which will be very troublesome.

I hope you can go ashore soon.

Let me advise you first. The main point is to adjust your mentality, don't give up on yourself, don't avoid problems, and face them correctly. After all, the solution is always more difficult than it is!

Be sure to adjust it!

Once the debt is overdue, you can't pay it back. From the moment you are in debt, you should be mentally prepared. This is definitely a protracted war! So be sure to have a plan.

Here's the most clear suggestion, that is, negotiation.

First of all, take the initiative.

You take the initiative to call the bank contact platform. Because of some recent reasons, it is overdue, and I am temporarily unable to repay it in one lump sum. At least I can't afford it. What is my current income? How much can I pay back every month except the necessary living expenses?

Then I want to talk to your bank and platform about whether you can negotiate a personalized repayment method for me to repay. I am indeed a special case. I know that overdue has a great impact on credit reporting.

The income situation and the arrears of other credit information platforms can be given to your bank to prove that what I said is true. My request now is how many installments I want and how much I can guarantee to pay back before the 30th of each month.

The second point is to stop and pay the bill.

This method is aimed at credit cards, which Alipay has not heard of for the time being.

On condition that:

First, you need to have a stable repayment ability. You need to pay in monthly installments.

Second, you need to be willing to repay, and you can't negotiate. I paid it back this month, but I can't afford it next month.

Third, basically, most banks need to be overdue for one month before they can close their accounts.

Once you apply for a stop payment account, the benefits are as follows:

Benefit 1: Stop collection, no longer face telephone collection, SMS collection and door-to-door collection.

The second advantage is to reduce the pressure of monthly payment, pay off the arrears slowly and go ashore as soon as possible.

Third, the monthly overdue interest and liquidated damages will not increase, and the debt will not grow.

The fourth advantage is that you don't have to worry about being sued and you don't have to bear the relevant criminal responsibility.

The fifth advantage is that you can go to work with peace of mind, live with peace of mind, set life goals and achieve them one by one.

But in the final analysis, we still have to find ways to make money, and money is the premise of repayment! Otherwise, even if the negotiations are successful, it will be no use.

When you are alive, try to pay your debts when the law allows. I am also a debtor, so come on.

It is common for young people to overdue Alipay and credit cards. According to relevant data, 80% of young people are now in debt, which comes from various credit loans, credit cards, Alipay and other loan platforms.

What if Alipay, credit card and other credit platforms are overdue and you don't have that much money? In fact, whether it is a credit card or Alipay, it can be repaid in installments. So if you have no money and are overdue for more than one year, you can apply for repayment by installments, which can be divided into 36 installments and tens of thousands of dollars. You can pay it off in a few years.

If you really have no repayment ability, you will pay a few hundred dollars a month. In this case, the bank or Alipay thinks that you still have the willingness to repay, and naturally it won't do anything to you. Also, you can talk to them about your current situation and negotiate interests with them. The negotiated interest bank will not ask for or only pay part of the interest, and the remaining principal will be paid off in one or two years.

So I suggest that you can call the bank or Alipay to discuss how to repay.

Take the initiative to apply for extension or installment repayment. Obviously, banks such as Alipay Credit Card said that they owed too much. I can only try to repay it. Talk to relatives and friends. Don't fight alone, as long as it's not a vicious situation such as gambling. It will get better gradually. Don't worry, it's nothing serious.