What collection behavior will there be after the online loan credit card is overdue?

I believe everyone is very concerned about this issue!

In this case, I will tell you about the collection behavior you will face after the deadline and some related consequences.

(1) What action will be taken for collection after the deadline?

Actually, it's just a few. To sum up: telephone collection, SMS collection, WeChat collection, Alipay collection (this is the favorite collection of small loans), sending a lawyer's letter, pre-litigation notice, reporting materials, contacting your parents, family and friends, home visits (this is the most common after the credit card is overdue, don't get me wrong, this is the normal collection process), and some collections even pretend to be public officials to put pressure on you. The above points are the most common and commonly used!

(2) What will happen after the negotiation fails?

It's simple, the collection will be the same. For the overdue negotiation of credit card, there is no result, which does not affect the card issuer to continue the process.

(3) Will it restrict consumption? Can't you take the high-speed train? Will it become a black household?

These three questions can be combined into one question! First of all, the premise of these three questions is that creditors will take you to court. After the court pronounced the sentence, you failed to repay the loan on time. The issuing bank may apply to the court for enforcement, and then submit the application to the Executive Board for processing.

Then, use the system to check whether there is any executable property under your name. If not, terminate this execution and limit your high consumption. If you are included in the list of untrustworthy people, you will not be able to take the high-speed train and become Lao Lai, which is the black household mentioned by the subject.

(4) Can daily life be normal? Can the work continue?

Why not? You didn't violate the criminal law. Why are you worried about this? It just means that if you are executed, the account with saving function in your name will be frozen, and your monthly salary will be transferred to the court account, which will be deducted by the court to the creditors. Then, you can go to the court to collect the living expenses on time every month.

(5) Will you go home?

I have already said the first point, so I won't go into details.

(6) Will black households be eliminated in five years?

When you have settled your debts, you can apply to the court to be removed from the list of untrustworthy people. Then, after five years, your bad credit record will be eliminated from the date you settle the arrears.

(7) What will happen if you don't?

The credit card has not been returned, and the final consequence is that the bank sued the court!

I am brother Zhou, and I have rich experience in dealing with credit card negotiation repayment, overdue online loans, collection and other issues.