How long has your credit card been overdue? How is it now?

The credit card under my name is overdue for more than a year. The largest Everbright Bank limit is 80,000, and the others are less than 50,000. There are 10 cards in total, with a total limit of about 500,000. The credit card and All the loans are overdue. 2020 is a very difficult year. In the early days, I kept calling directly, but I could only explain my situation. Not only could I not be understood, but I would also be sarcastic, so I generally stopped answering the phone in the later period. I found a job and made money with peace of mind. , I don’t have a salary of about 8,000. When I was rich, I paid off a few small cards, and the ones with large credit limits were basically untouched. Starting from September 2020, I negotiated with the bank for installment repayment. Each bank’s policy is different, so The difficulty of negotiation is also different. Some small banks will not negotiate with you at all

1: China Merchants Bank, negotiation is more difficult because the bank forcibly deducted my money from China Merchants Bank to pay back the credit card. I will continue to give the China Banking and Insurance Regulatory Commission After complaining, the bank agreed to give me 36 installments, but the bank also told me to keep it confidential and not to disclose it to a third party. The China Merchants Bank card is now being repaid normally

2: Everbright Bank, go to the credit card center directly , I called the credit bureau and took it to them, and talked to them directly to explain my situation. The bank was very understanding and directly paid it in 60 installments. Now I am repaying it normally

3: Minsheng Bank, contact the bank directly Me, give me 36 installments, with a monthly repayment of more than 1,000, and they are all performing the contract normally

4: Ping An Bank, this is more screwed up, the client gave me an installment agreement from the bank, and I also I filled in the installment plan and repaid more than 2,000 yuan per month. I was repaying the money as agreed every month. However, after two installments, I found that I was still receiving collection text messages. After communicating with the third party entrusted by the bank, the explanation was that my order was transferred. It was no longer under their control. I asked if the agreement was valid. Their answer was that they would negotiate with the current management party. I also complained directly to the China Banking and Insurance Regulatory Commission. The feedback given to me by the bank’s customer service staff was that it was valid, but the collection text messages could not be stopped due to system reasons. , I have stopped repaying now and am waiting for further communication

5: I have not negotiated with Zheshang Bank, China Guangfa Bank, and CITIC Bank so far, and I am still working hard

I owe money I know how uncomfortable it is. I only have to work hard and get ashore quickly, but don’t be depressed. I try to reduce the impact of overdue work on me. I chose a business trip job and work hard every day. Only then can I have hope. , Come on, ***Mian! ! !

For just credit cards, it’s been more than 4 months. Construction and people's livelihood were visited once, although I didn't see them. But the knock on the door scared me so much that my heart beat faster. I don't have the guts to open the door. The principal of the credit card is as follows. As for the penalty interest, overdue fees, etc., I didn’t calculate it myself.

The calls were intercepted and I didn’t receive many calls. It doesn’t seem like the address book is being harassed much. But I didn’t know whether it was transportation or China Merchants Union, so I called the village committee director.

I originally wanted to save money to negotiate. However, the pressure is quite high now. Food and drink have become a problem, why do you still care about your credit report as an economic identity card! My mortgage is overdue for several days, and I can only maintain food, drink and mortgage.

Originally, people’s livelihood collection collections were very fierce. In Sichuan, the local area has made calls every day, but recently, there have been fewer calls. I guess they are about to sue. Broken jar, broken jar, let it go. According to the analysis of friends, the prosecution is quite good.

Dongying takes the lead in promoting personal bankruptcy law, so I will try it first. If successful, I will explain it to everyone.

If you have good methods or suggestions, you can discuss them in the comment area. There will be times when the wind blows and the waves break, so hang up your sails and sail across the sea!

A debt of 360,000 yuan passed by, let me write about my experience.

Liability list:

China Merchants Bank: 180,000

Guangfa: 60,000

Shanghai Pudong Development Bank: 60,000

ICBC: 40,000

Ping An: 20,000

Last year, everything became overdue...

The first day: There were not many collection calls and overdue text messages. It felt like Nothing;

The second day: There were still not many collection calls and overdue text messages, and I still felt like it was nothing;

The third day: The collection calls and overdue text messages began to increase gradually, and I started to feel a little bit Panic, I didn’t know why I was panicking at the time;

Day 4: It’s still increasing gradually, my panic is getting worse, but I still don’t know why;

Day 5---Day 10 : I collapsed. This kind of panic made me unable to eat, unable to sleep, and even started to lose my hair. When I received a phone call or read a text message, my heart sank a little. This kind of gradualness made it impossible for me to return to a normal state. mentality, and then my heart feels like falling into a bottomless abyss, falling, falling! At this moment, I suddenly understood why some young people committed suicide because of debts. I am 33 years old and can only support myself!

During the worst time, I counted more than 30 calls every day. At one time, I set my phone to be silent and blocked for harassment. Now it is also silent because I haven’t finished paying it back. My credit card was always answered on the phone at the beginning. Later, no matter how I explained or begged, I was told that I had to pay it back tomorrow and the day after tomorrow. I really couldn’t raise that much money. If I had money, I would save it myself. Okay, I don't want to waste my time explaining it anymore.

China Merchants Bank wants to sue me, and the final result is personalized installments, with the suspension of interest payments divided into 36 installments. Ping An wanted to detain me, and the final result was that I had to pay back 1,000 yuan a month...

For more than a year, I have lived without desires and desires, and my relatives and friends all said that I was useless. But who knew that I had paid off nearly half of my debt in more than a year? I am still persevering. The road ahead is bleak and I don’t know when I will be able to get through it. In the end, I will continue to work hard to make money. I hope I can get back to the shore as soon as possible and return to a normal life!