What should I tell my parents if I owe my credit card?

What if I don't want my family to know that I owe money to my credit card? Try these two methods.

Nowadays, more and more cardholders have overdue credit cards. Many of them owe credit cards for fear of being accused by their families, or they don't want to burden their families. So they want to know if there is any way to hide it from their families. Let's discuss this topic together.

What if I don't want my family to know that I owe money to my credit card?

1, don't lose contact:

Banks with overdue credit cards always collect debts directly from cardholders. As long as cardholders don't evade collection, don't miss the bank's collection call, and don't let the bank find them by moving or changing units, the bank won't contact their families directly to collect debts.

Once the bank loses contact, it will immediately call its family, so it is impossible to hide the fact that the credit card has not been paid.

2. Willingness to repay:

In addition to not evading collection, there must be a willingness to repay. After all, the ultimate goal of the bank is to repay the cardholder. For those who are unwilling to repay, the bank will start with their families and ask them to urge cardholders to repay.

However, this willingness to repay is not just verbal, but practical. You can't pay back in full at present, but you have to pay back some money every month, not just one or two hundred dollars a month. The repayment amount shall not be less than the five-year installment payment.

Finally, I want to remind you that you don't want your family to know that you owe money to your credit card, but this is not a long-term solution. As long as you don't pay back the credit card debt, something will happen sooner or later. Therefore, it is best to be honest with your family and work with them to find ways to return the money as soon as possible. After all, the longer the credit card is in arrears, the more serious the consequences.

I owe more than 50 thousand credit cards and want to tell my parents, but I don't know how to say it.

Tell your parents directly where the money is spent and ask for their forgiveness and help. Parents will forgive their children's biggest mistakes. Credit card overdue fee is very high, which will also affect your personal credit. Let your parents know that they will definitely help you.

How to explain to your family after credit cards and online loans are overdue? Teach you two tricks

After the deadline, many friends don't know how to face their families, some don't want their families to know, and some want to confess, but they don't have a clue, so I will share two explanation templates with you!

First of all, I have confessed.

Hello, friends, because I have some economic problems with several illegal loan platforms, and I am currently in the stage of communication and negotiation. In the meantime, some friends may receive some phone calls about learning about me. In order not to bother you, you can reply in a unified way: I am not familiar with this person and I don't know the relevant situation. I hope you don't call me again, then hang up and send me a screenshot or text message as soon as possible. Thank you!

Second, there is no explanation.

Some time ago, I received a short message pretending to be a bank, asking me to fill in information, submit my ID card and other information. My information was stolen because the website was a false platform for scammers to clone. Because the information is filled in through the normal process, there are my contact number, address book and photos on the front and back of the ID card. After I submitted it, all kinds of loans recently called me for repayment. There are also text messages asking for money directly, saying that if you don't give money, you will contact the contacts in the address book and slander me for gambling, debt and other negative news. Please don't pay attention to friends and relatives who receive similar phone messages, or just say that you don't know yourself, and don't trade money for scammers. Now there are many online scammers, please pay attention, please don't believe it. If it is too troublesome, you can open the anti-harassment settings of 360, mobile phone housekeeper and other systems to block all spam messages with one click.

I hereby announce! ! ! I have nothing to do with all the economies. Don't believe me unless I call myself. Don't be fooled by criminals. Hereby explain! ! !

Landing is not difficult, mainly depends on how to break the status quo, come on! Friends in debt!

Both online loans and credit cards are borrowed from friends, and almost 50,000 yuan is owed. How can I confess to my family? what can I say?

1 save face

After the online loan is overdue, the borrower is afraid to let his family know, because he is afraid that his family will blame him, and he is also afraid that his relatives and friends will know that he will lose face. In fact, we have reached the end of our tether. Who cares about losing face? Put your face down first and rub it on the ground. Tell yourself that your face is gone now, and you must admit it.

Step 2 find out why

Find out why you borrowed so many online loans. Why did you get into such a situation? What did all this money do? If all this money is given to Du or spent elsewhere, please slap yourself and tell yourself never to do such a stupid thing again. If the money is lost in business, at least it shows that you are still a self-motivated person, sum up the reasons for business failure and start over.

3. Prepare for the worst.

What is the worst result after confession? How to face it? As parents, they will have the psychology of protecting their children. Because they are afraid that their children will be frightened, they will often borrow money to help them pay off their online loans. If they meet such parents, it will be a blessing for eight generations. Remember never to touch online loans after logging in, even if they have no money to sleep on the street. If your parents have a bad temper, don't hit you without thinking. At the very least, let your parents be prepared when they are harassed by telephone collectors, at least they won't be so angry that they suddenly fall down.

4. Go ashore by yourself.

Repentance will only make your heart easier. If you want to go ashore, you have to rely on yourself. Calm down and analyze, get a credit report on the official WeChat account such as Innocent Data, and find out what online loans are owed at present. What are the credit reports? What is no credit? What can be delayed and postponed? What are beyond the legal interest rate range? Do know fairly well, discuss the loan with the money that is in urgent need of repayment, and see if it can be repaid in installments. Figure out how much you have to pay back every month, and then make money hard! There is only one goal every month, and that is to pay back the monthly payment. If you persist for a year or two, you will land successfully.

This is the end of the introduction on how to tell parents that they owe credit cards. I wonder if you have found the information you need?