The credit card of Bank of Communications was overdue for 3 months, and the Legal Department said that it should be reported to the police for filing.

After the credit card is overdue for 3 months, the bank will take the initiative to call or send a text message to remind the repayment. If you can respond positively, then the bank will not take any follow-up action. If you don't take action within 3 months after the credit card is overdue and the bank phone calls are ignored, then the bank will definitely take follow-up actions, such as door-to-door collection and entrusting a third-party company to collect it. When these formal collection methods are ineffective, banks will choose to take legal channels.

After the credit card is overdue, you must actively negotiate with the bank, and it is best to strive for a repayment plan by installments. Don't try to solve the problem by evading, because the more you evade, the more serious the problem will be, especially after the credit card is overdue. Stop the payment in time, otherwise the debt will accumulate in a vicious circle for a long time and you will never earn much in the end!

If the credit card cannot be repaid in one lump sum, you can negotiate with the bank to repay it in installments. Staging after overdue, also known as personal debt restructuring, can not only help debtors ensure their basic livelihood, but also make reasonable repayment and avoid collection and asset disposal. If it is a financial problem, it is not recommended to pay back several hundred and one thousand yuan, which will deduct interest and liquidated damages. Either relatives and friends turn around and pay off the overdue interest in one lump sum, or the bank will stop paying the interest, so that the interest will not rise, and pay it back slowly to avoid collection and prosecution!

Arrears from investment promotion 1, 47,000 yuan. After negotiation, RMB 6,000 will be reduced first, and then it will be repaid in 36 installments, with a monthly repayment of RMB 65,438+RMB 065,438.

2. The traffic debt is 85,000 yuan, which will be reduced by 8,000 yuan first and then repaid in 48 installments. Monthly repayment 1604 yuan.

3. Shanghai Pudong Development Bank and the reserve fund owe 96,000 yuan. Through negotiation, RMB 2 1 0,000 will be reduced first, and then it will be repaid in 60 installments, with monthly repayment of 1, 250 yuan.

4. China Everbright owes RMB 67,000, and it will negotiate 40 interest-free installments with monthly repayment of RMB 1675.

Sort out debts, plan repayment reasonably, and avoid being sued. I have solved the debt problem for thousands of card friends. You are warm in three winters, may you be cold in spring, and may you not be disturbed by debts.

We will pay more attention to the work: clear up Xiecheng's debts, focus on the actual cases of overdue credit cards, stop staging and personalize staging.