What should I do if I owe a bank credit card and receive a payment order?

I. What should I do if I owe a bank credit card and receive a payment order?

After receiving the payment order, th

What should I do if I owe a bank credit card and receive a payment order?

I. What should I do if I owe a bank credit card and receive a payment order?

After receiving the payment order, the credit card shall fulfill its obligation to repay the debt according to law within the time limit. If the bank refuses to execute the payment order, it may apply for compulsory execution.

1. Download the payment order and view the contents.

There will be a query URL in the short message. After opening it, enter the phone number and verification code, download the full text of the payment order, and see which institution applied for it, which court issued it, and what the application amount is.

2. Submit a written objection within 15 days.

Payment orders have an objection period of 15 days and must be submitted within a limited time. Moreover, the request must be made in writing, and the oral request is invalid.

3. Reasons for objection

The reasons for opposition cannot be inability to repay, opposition to payment methods, etc. These reasons do not affect the legal effect of the payment order.

Jurisdiction objections are usually used. For example, your household registration and residence are in Qinghai, but the payment order was issued by a court in Zhejiang, so you can raise a jurisdictional objection.

4. Objection submission method

Send it to the door as far away from the local court as possible, find the contact judge, explain the situation, and give him the objection application.

It is unrealistic to apply for door-to-door service in different places, and you can take the form of express delivery to raise jurisdictional objections. After the courier is sent, contact the judge by phone, raise an oral objection again, and keep the record.

2. What are the requirements for property preservation before credit card application?

1. The application for pre-litigation property preservation must have the content of payment, that is, the applicant's future litigation request has the content of property payment.

2. In case of emergency, failure to take corresponding preservation measures immediately may cause irreparable losses to the legitimate rights and interests of the applicant.

3. The interested party applies for pre-litigation property preservation. Interested parties, that is, people who have disputes with the respondent or think that their rights have been infringed by the respondent.

4. The applicant for property preservation before litigation must provide guarantee. If the applicant fails to provide a guarantee, the people's court shall reject the application for property preservation filed by the applicant before the prosecution.

The cardholder should pay off the credit card debt as soon as possible after receiving the payment instruction. If the cardholder fails to repay the loan, he can borrow money from his family and friends, pay off the credit card debt first, and then return the loan to his family and friends after he has the ability. Cardholders can also apply for the minimum repayment function of credit cards. As long as the minimum repayment amount is paid, it will not affect the personal credit record.