What happened to those who owed online loans and credit cards and couldn't pay them back after the deadline?

There are only three endings.

The first outcome is to ignore it for many years, waiting for the bank to go bankrupt, which may turn into bad debts and be written off. As a matter of fact, some banks did go bankrupt. Although the probability is small, it is not without it.

The second outcome is that the issuing bank is entrusted to a collection company with the nature of a black society to collect debts, and the bank plays the role of a golden cicada. The debtor is threatened by various means and still has no money to repay. In the end, they will be sued to the bank, become people who are blackmailed by credit information, and be included in the Lao Lai list. From now on, they will live like a lost dog!

The third outcome, forced by debt, really can't take extreme measures to avoid debt forever. Such as suicide, revenge on society, mutual destruction with creditors and debt collectors and other extreme ways to end an anxious life without joy and regret! It's not alarmist, similar incidents happen from time to time!

The loan company and lender, Qian Qian, who is holding his hand, don't lend easily. You want his high interest rate, real estate, luxury car, etc. He wants your principal, even your life. Only by controlling the upstream of the loan, will there be less and less dishonesty and laolai.

Sue, see you in court. Finally, it is to pay back the money (legally and legally), and it will be paid back sooner or later, unless it is deliberately not paid back. Finally, Lao Lai. Reasonable money must be returned. My debt is overdue now, and I owe more than a dozen platforms and credit cards. I work hard to make money and pay my debts. I have no choice but to invest, overspend and eat the bitter fruit I planted. Very few people really deliberately fail to pay back the money. I hope to give the debtor more space and understanding. It's not that they don't pay back the money. There is really no way, only to solve it slowly.

It's just a personal credit problem. You should eat and drink. It's rare to hear that you went to jail for owing online loans and credit cards. One of my high school classmates owed more than 200,000 online loans for more than four years and never paid them back. Now the collection has basically given up on him. This classmate bought a house and a car in his wife's name and lived a good life. He used online loans to tide over the difficulties.

I'm almost three years overdue. In the first year, the income was relatively strong: pat on loan, Xiaomi, Zhaolian, Wanda, credit card: Ping 'an, Transportation, CITIC. Among them, Ping An pretended to be a policeman, because he was really indefensible, so he didn't care too much. Others have been collecting money and have a better attitude than others. But no matter how much they collect, they must stick to it. It's no use talking without money. When you have money, you can communicate with them and pay back the principal in installments. Pufa, Minsheng, Ping An and CITIC all repay the principal in installments. Guangzhou is still paying back, and now the remaining credit card traffic has attracted investment. Just waiting for them to negotiate, and now China Post Finance has just finished negotiations. These three years have been difficult, especially in the first two years, when I kept calling. What have not been returned online? It's not that I don't want to return it. I really feel powerless and can only owe it first. Occasionally, there are still some phone calls and messages. As for how to live or how to live, debt is not terrible, the key is how you think and see it.

There are three overdue online loans and credit cards.

Tell me a typical one.

My friend's brother worked in insurance after graduating from college, and his performance was not bad at first. In order to facilitate business, he paid a down payment loan with a credit card and bought a car of several hundred thousand. As a result, not long after, due to the unsatisfactory insurance performance and the cost of talking about girlfriends, the car loan could not be repaid normally, and it was overdue. So he set up three credit cards and began to rob Peter to pay Paul. Later, the credit card expired again, and he applied for an online loan. In this way, in more than two years, the debt accumulated to more than 600 thousand, and there was no way to sell the car that had only driven more than 10 thousand kilometers and pay it back. He kept it from his family before, but later his family knew that he owed a huge debt! After buying a car to repay, he still has 520 thousand. I heard that hundreds of thousands of pension money saved by parents have been paid off in the past two years. Now, nearly 70-year-old parents and his family of three work to pay their debts, and they still have not paid them off.

Through my friend's brother, I summed up the lesson: 1. After the online loan and credit card expire, the interest is very high. If it is not repaid in time, small loans will soon become terrible huge debts. 2. Young people should first consider the consequences. Unless they are sure to pay off in time, don't easily go to online loans and use credit cards in large quantities. 3. Don't hide the online loan and credit card loans overdue. Be sure to tell your family in time and ask for help as soon as possible to avoid snowballing interest from turning small loans into huge debts.

Finally, let's talk about the solution to the problem: if the loan has become a large amount of arrears and cannot be repaid, we should negotiate with the borrower as soon as possible, strive to waive most of the original interest, sign a repayment agreement, and ask for interest-free or low interest during the repayment period, so that we can hope to pay off the arrears. Otherwise, if interest is paid or repaid, I'm afraid this' usury' will never be paid off with low income.

Credit card: negotiate with the bank as soon as possible before it is overdue. Give a detailed repayment plan!

1. Interest

As we all know, the interest rate of banks is very high. Just try to find out how high it is. You have to pay two fees before credit card repayment, one is late payment fee and the other is penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is five ten thousandths per day, and the interest is rolling.

blacklist

Too many overdue times or malicious refusal to repay will be blacklisted, and there is no hope of buying a car or buying a house loan in the future. Once blacklisted, it will affect your credit history, so your future cars, hotels and other aspects will have an impact.

3. Legal liability

Once the bank sues, you will still be investigated by law, so if you overdraw and don't repay, even if you run away or disappear, it won't help. If the credit card is maliciously overdrawn for more than 90 days, the bank can sue. Many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", and they will go directly to the cardholder's residence or even their hometown to collect debts!

Now the consequences of not paying back the credit card are more clear. I suggest that all card friends live within their means and repay in time after overdraft to avoid overdue. And if you really can't pay at the moment, don't take extreme measures. Besides the minimum repayment and installment, you still have a way out. You can choose to change the billing date.

No matter how difficult it is, it's still a few hundred dollars a month.

There are two kinds of online loans: one is online loans with credit information, and the other is online loans without credit information. Online loans with credit information are paid first, and those without credit information are waiting to sue for repayment.

Whether it is credit card or online loan, the first thing we should do is to adjust our mentality, make full use of our advantages and make more money. Please pay back the money as soon as possible!

You owe money, not life! Pay it back if you have money. If you have no money, you will go bankrupt. If you are lucky, you can make a comeback! No luck, just work hard to make money! Eat and drink, look down! The experience of a person who has been there! The world is the most important! When you are down and out, your reputation is really worthless! Is an ordinary person in itself!

I now have four online loans, Meituan 8000, Micro-loan 20,000, 360 loan 60,000, Alipay loan 2 1 10,000. 9 credit cards, * * * 186000. With a debt of 500 thousand, I can't take it anymore, and my eyes are in a trance. Alipay has been overdue for 5 days, and there is no violent dunning at present. Now it is handed over to the so-called professional negotiation company for the second installment.

If it is overdue for a long time, it must be a violent dunning first, or even an address book. As far as I know, it will not be prosecuted, at least online lending will not be prosecuted, and it belongs to private lending. It's just that if your psychological construction is not strong enough, you need to get through it yourself. It's best to consult a bank or online loan company to stop repayment, otherwise only interest will be paid, and the principal is still a lot, which is simply a bottomless pit.

Finally, I hope the business of physical stores can be better. Everyone should take care of physical stores and don't always buy them online. Now the profit of physical stores is really low, and there is no such profiteering. Wish you and yourself an early landing.

I only owe online loans. For more than two years, interest rates have been surprisingly high. Collection calls and threatening text messages have been intercepted. Haha, just the same. Eat and drink.

Heaven has a good cycle, but heaven has spared anyone.

If you owe an online loan credit card, you can't afford it after the deadline, and you still have to pay it back in the end. Personal point of view.

Online loans and credit cards. Generally speaking, the amount will not be too high, and overdue is just a process. How can young people see rainbows without experiencing wind and rain? This is also a kind of exercise, and people have to go through many hardships in their lives. I only know a lot of truth, and some things have to be experienced by myself. Correct attitude and work hard, and everyone will get through this mess. Online credit card, overdue is not terrible, take the initiative to repay, you will enjoy a relaxed repayment pleasure.

Having an online credit card proves that you have good credit information and a credit card, which is also a status symbol. Making good use of credit cards will also bring you a lot of convenience. He has many benefits. I won't explain much. I'll finish it in a few days. In a word, good use has many advantages, malicious overdraft has many disadvantages.

People on earth are good at living. No one wants to leave a stain on themselves and influence the next generation. Personal opinion, a normal credit card will be returned after the deadline. There is still a long way to go in life, and there will always be opportunities to change your destiny.

Of course, there is another kind of person, who is broken and broken, so I won't mention it. Wasting time. What will happen to him can be imagined.

Online credit cards are overdue and not hateful. The most hateful things are those who borrow money from relatives and friends, those who have the ability to owe money to the bank, and those who owe money to relatives and friends. Forget it, by hook or by crook, it is even more hateful than online scammers. Why don't you want to return it? Whose wind is blowing? This kind of person is the most hateful.

Wealth cannot be greater than merit. I wish my friends positive energy, sunny optimism, healthy life and enjoy life.