What should I do if my credit card has been unable to repay after loans overdue?

Anyway, if you can't repay it clearly, leave it alone. First, it is most important to take care of yourself and your family and live well. Second, increase revenue and reduce expenditure according to your own situation. Third, don't be disturbed by the collection. Don't pay attention to them if you have no money. If you make too much noise, call the police. Remember, there is no point in negotiating without money. Wait until there is enough money to pay off a sum, and then negotiate a reduction and exemption, and solve it one by one.

As long as you want, there will always be a way! On the one hand, don't lose contact and actively negotiate with banks and platforms for staging. If you can't do it once, you can do it twice, and if you can't do it for a month, you can do it for two months. On the one hand, try to make money and pay off debts. If you give up yourself, no one can help you.

Hello, I am also a debtor.

My credit card and online loan are almost three years overdue. Overdue from February 20 18, 18. At that time, the principal owed more than 50, and now there are more than 30.

It's really not easy to walk all the way. Especially in the three months before the deadline, the phone never stopped. I guess the subject and I feel the same way!

Now let me talk about my situation from three aspects: debt situation, mental journey and repayment of principal by installments.

I hold the credit cards of Guangfa, Communications, China Merchants, Guangzhou, Pudong Development Bank, Bank of China, China Construction Bank, East Asia, Minsheng, Ping An, CITIC, Nongshang, ICBC, Huaxia, China Everbright and Xingye *** 16. If the online loan 10 is above, I will not list them one by one.

I was unemployed when I started overdue. At that time, I knew that even if I found a job, I probably wouldn't last long. Besides, I didn't want to work at that time, so I stayed at home to help my parents do some farm work, just like I stayed at home with my parents (I started boarding in junior high school and rarely went home when I came out to work). During the small reminder call, answer it if you have time, and ignore it if you don't have time.

Until April, 20 19, I thought about many things in the past six months and knew that it was not the way to continue like this for a long time (there were still several credit cards in normal use at that time), and I always needed income to solve the debt problem.

So I started to work in May, and after slowly earning income, I began to sort out my debt situation (I was in the mood to consider repayment after earning income).

Suggested topics, from credit card to online loan, from small amount to large amount, from credit principle to non-credit principle, list the debts one by one.

During this period, my credit cards, including those of Bank of China, China Construction Bank, East Asia and Xingye, were blocked.

It was depressing. I hope this is the true portrayal that the bank will only add icing on the cake and will not rescue it in time!

But emotions belong to emotions, so we should give priority to these four companies before they are overdue, so as to avoid high penalty interest.

In the meantime, if other banks call, saying that they are heavily in debt and cannot be settled in one lump sum, ask the other party whether they can repay the principal in installments. Every time I make a phone call, as long as it is indirect sometimes, I always reply to each other like this.

Unexpectedly, after doing this many times, I can really repay the principal in installments!

2065438+February 2009, 65438+2009, Shanghai Pudong Development Bank called and said that Shenzhen Company agreed to let me repay the principal in installments, and the principal 12000 yuan was settled in six installments. I didn't believe it at first, but later I called the bank customer service to confirm the plan. So I'm relieved to repay.

Next, in the same way, Ping An, Minsheng and CITIC Bank credit cards have also successfully settled the principal in installments, and Guangzhou Bank is repaying in installments.

In terms of online loans, China Post's consumer finance is also settled in installments.

So far, only Guangfa, China Merchants and Communications have not negotiated the overdue credit card. ICBC, China Everbright, Nongshang and Huaxia Bank are in normal use.

In terms of online loan debt, credit card debt takes precedence, except for the repayment of principal in installments.

When dealing with debts, I suggest that you can refer to my method of dealing with debts.

(1), according to the method I said above, list the debts one by one, which is clear at a glance.

(2) When calling, ask the other party whether they can repay the principal in installments. Every time I call, as long as I have time, I always reply to each other like this. If it is overdue for one year, it will have an effect.

(3) Before the negotiation is successful, each bank pays tens of yuan every month and keeps repayment records (principal is deducted first).

4. Turn passivity into initiative. When communicating, tell the other party that I am negotiating with other banks to repay the principal in installments. If you need to negotiate, please do it as soon as possible.

⑤ After negotiation, record and save the agreement scheme and repayment record. Before repayment, confirm the plan to customer service to prevent being routine.

6. If the online loan agrees to repay the principal in installments, it can also be handled.

Finally, I hope to encourage each other, thank you!

First, pay back the money. After consultation with the bank, only the principal is repaid, and the penalty interest is directly exempted. If the money is short, negotiate with the bank to stop the installment payment. Pay a little every month. Slowly, you can always pay off the shore. Second, if there is no money, there is no point in not answering any collection calls. Take the initiative to contact the bank every month to explain your situation and have the subjective will to repay. Don't lose touch. Third, keep a good optimistic attitude, work hard to make money, and don't have any negative emotions. Go ashore as soon as possible, owing money is not owing life.

First, all you have to do is earn money in advance and use your off-duty time to engage in sideline business. As long as you don't be lazy, you can increase your income by at least 3,000-4,000 yuan a month by taking delivery and doing odd jobs.

Second, plan the debt first. Save enough money to deal with one by one (some banks can negotiate interest-free, and online loans can negotiate interest-free only to repay the principal). It is recommended to pay back relatives and friends first, then the bank, and finally the online loan.

Finally, I wish you an early landing!

I live first. I owe 50 W and keep calling every day. If I am in a good mood, I will answer it. I won't answer it if I'm not good.

Communicate rationally and make your own situation clear.