Hainan rural commercial bank credit card overdue

You need to repay the loan normally, and at the same time, you can't commit malicious overdue behavior, otherwise it is likely to affect your personal life.

1. Hainan Rural Commercial Bank needs to take the initiative to repay the overdue credit card.

we can try to negotiate with the bank and pay off the debt at the same time. During this period, it is possible that the overdue records have not been reported to the central bank, so you can explain the situation to the bank and ask for forgiveness. But the cardholder's statement must be credible and convincing. The best thing is to explain the situation to the bank before you are overdue, and see if you can do something by stages to ease the repayment pressure.

second, don't have malicious overdue behavior.

after a credit card defaults, the penalty fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If it is not fully repaid on the last repayment date, it will generate revolving credit interest on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

third, how to deal with your overdue behavior.

case 1: automatic repayment fails, which depends on the responsible party. If it is due to the repayment application problem of the bank itself, the bank will be in debt.

situation 2: there are too many credit cards, and I forgot to repay them, which is my own reason. I suggest to consult with the banks and provide relevant information (each bank has a different situation) to see if I can recover the credit information.

situation 3: when you make a repayment, you enter the wrong card number and give it to someone else, which is very embarrassing, but the possibility of this situation is actually very small. After all, you need your own real name information for repayment.

Article 196 of the Criminal Law of the People's Republic of China stipulates:

Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or confiscated property.