What do you mean Minsheng Bank won't repay the credit card arrears and won't let our bank take further dunning measures?

This is the overdue credit card, and the bank takes a reminder message to inform.

Minsheng Bank stipulates that cardholders should repay all the payable amount or the minimum repayment amount before the end of the final repayment date. If the last repayment date is exceeded, it is overdue. The final repayment date of Minsheng Bank's credit card is the 20th day after the bill date.

Credit card overdue repayment will bring serious consequences, which are common as follows:

1, the bank will charge a late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is less than the repayment amount.

2. Credit card current consumption cannot enjoy interest-free treatment. After the user overdraws with a credit card, it is generally an interest-free repayment period of about 50 days. If the cardholder fails to pay off all the overdraft fees within the specified time limit, the cardholder will no longer enjoy the interest-free treatment of Minsheng Bank for all the fees last month, and the revolving daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Have a bad credit record. The overdue repayment of Minsheng Bank's credit card will be recorded in the central bank's credit information system. At present, the basic database of personal credit information has been networked nationwide. As long as individual residents have handled the loan business in Minsheng Bank, applied for a credit card, or provided guarantees for others, credit reports can be found in any commercial Minsheng Bank in China.

4. Being urged by the bank or even being sued. If the user overdraws for 2 months without repayment, Minsheng Bank will call to remind the user to repay. If the repayment is not made, Minsheng Bank will find a lawyer to send a lawyer's letter to the user. Malicious overdraft of credit cards, which is not returned after being collected by Minsheng Bank, will constitute the crime of credit card fraud.