The credit card has not returned tens of thousands, and the bank called and said that we can negotiate how to tell the truth by stages.

Tens of thousands of credit cards have not been returned. The bank called and said we could negotiate by stages. If you want to tell the truth from the false, you can go to the bank to check it yourself.

When it is just overdue, the internal collection department of the bank will call or send a text message to collect it. This stage is relatively quiet, and the collection attitude is also very mild. However, after the bank has made more than two collections for you, you haven't paid it back yet. After 90 days, the bank will entrust a third party to collect the company.

Credit card use skills and precautions:

1, the credit card withdrawal rate is high.

Because the credit card itself has no money, if you withdraw cash by credit card, it is equivalent to borrowing money from the bank, and the interest is very high, and it is calculated on a daily basis (the specific interest calculation method can be understood from the issuing bank). Don't withdraw cash unless you have to.

There is a charge for installment payment.

Many banks advertise under the banner of interest-free installment. The bank doesn't charge you interest, but it will charge you a handling fee. Generally, the handling fee for each period is about six thousandths, which varies from bank to bank.

If the handling fee for each installment is six thousandths and 1000 is repaid in six installments, then the handling fee you have to pay is 1000*0.006*6=36 yuan. If 12 repays 1,000 yuan, the handling fee is 1000*0.006* 12=72 yuan.