Is the pre-litigation investigation of overdue credit cards true (can you find out overdue credit cards by backtracking?)

1. Is the pre-litigation investigation on overdue credit cards true?

Is the pre-litigation investigation of overdue credit cards true (can you find out overdue credit cards by backtracking?)

1. Is the pre-litigation investigation on overdue credit cards true?

It is true that the credit card is overdue for home investigation.

1. Don't avoid the collection staff: if the bank collection staff comes to the door for collection, if the collection staff has a good attitude, don't have unnecessary conflicts with the collection staff, and don't play "missing", because as long as the repayment is made as usual every month after the deadline, there is nothing to worry about.

2. Negotiate repayment with the bank: If an individual has financial problems and cannot repay in full, he can negotiate repayment with the bank and ask the bank to extend the repayment period or reduce the interest, but he must not evade the bank's collection, so that the credit card interest will only increase.

Second, will the credit card not force the family to return it?

Before the credit card is returned, the family will not be forced to pay back the money, but the spouse may be forced to pay back the money, because during the marriage relationship, the property of both husband and wife is the same property, and the debt will be regarded as the same debt, unless the spouse can provide evidence to prove that the credit card debt is not used for family living expenses, so it is not necessary to pay back. However, even if there is no need for family members to repay the loan, the bank will call the family members to inform the cardholder of the credit card arrears after the deadline, so the cardholder can't hide the credit card arrears.

The credit card has not been returned for one month, and it will not be returned next month. As long as there is a bill for the month after the credit card is used, at least the minimum amount must be paid before the repayment date ends, otherwise it will be overdue if it is not paid this month and then next month. Unless the amount owed by the cardholder in the current month's bill is all new consumption arrears, and all the arrears in this month have not been repaid in installments, the repayment will start from next month, and there is no need to repay this month. Or the cardholder applies for deferred repayment, which will be paid for two months at a time next month.

The interest on a 50,000 credit card overdue for one year is more than 9,000 yuan. If you can't return the credit card, you won't force your family to return it, but you may collect it from the cardholder's spouse. After obtaining a credit card, the cardholder can use it to spend money or apply for a loan from the issuing bank. After obtaining a bank loan, he needs to repay the arrears in time according to the requirements of the bank, otherwise there will be overdue records, which will affect the credit of the cardholder.

The pre-litigation investigation on overdue credit cards is true. When overdue occurs, the cardholder must not escape and face it positively. Once overdue, cardholders need to pay overdue penalty interest, which will also affect personal credit problems. If the overdue time is more than 3 months, and the bank has overdue repayment for more than 2 times, the cardholder will be prosecuted.