I didn't return it in time in China Foreign Trade Trust loans overdue. I'll return it when I receive the leaflet from the court. Will it be blacklisted by banks? What should I do?

Your loan should not belong to the banking system, so it will not be on the bank's credit record file.

1. If it is really unable to repay, it shall negotiate with the credit company to extend the repayment period or return it in installments.

2. If the credit company wins the case in the court, you can apply to the court for enforcement if you fail to perform the court's judgment during the performance period.

3. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits in your name according to law.

4. In addition, if you have no executable property in your name and refuse to perform the effective judgment of the court, your personal credit report will have negative information such as overdue payment, and will be restricted from high consumption and entry and exit, and may even be judicial custody.

5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

6. Article 313th of the Criminal Law stipulates the crime of refusing to execute a judgment or ruling. The judgments and orders of the people's courts are capable of execution, and if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

First, the bank requires that it cannot accumulate six times (inclusive) within two years, and it must continue for three times (inclusive). Only when the single overdue period does not exceed 90 days can it qualify for loans. If it is only overdue occasionally, you can communicate with the bank to solve the loan. However, the cumulative number or continuous number exceeds the specified number, or the single overdue days exceed 90 days, no matter what the relationship is, the loan cannot be made.

Second, the credit card overdue consequences:

1, for the loss of funds, the penalty interest will be charged at the rate of five ten thousandths per day, and the interest will be compounded monthly. The longer the time, the higher the interest.

2. If the credit card is overdue for six consecutive times, there will be a bad credit record, and three consecutive times means that it is overdue for more than 90 days. Once you have a bad record, it is very difficult to apply for loans and credit cards in the future.

3. At present, most banks entrust third parties to make dunning, and they will notify their families, friends and units by various intimidation and threats, which will seriously affect their normal life.

4. The bank will remind you by SMS and phone first, and then collect it twice by a special person, and then sue after three months.