Consumer finance is immediately overdue for two months. Today you said to send me a lawyer's letter. Is it true?/You don't say.

It is untrue to send a lawyer's letter two months overdue. According to the law, you will receive a lawyer's letter three months overdue, only two months overdue, and you will not receive a lawyer's letter temporarily, but it has been recorded as a bad record. Saying that you want to send a lawyer's letter is a warning to remind you that it's time to repay, and your credit record has been marked.

Banks usually handle overdue credit cards by phone and SMS. If the repayment is not made within a certain period of time, they will hand over the case to the legal department of the bank, which will decide whether to prosecute according to the specific circumstances. If they decide to sue, they will send a lawyer's letter before that. Then, after receiving the lawyer's letter, the credit card debtor can immediately negotiate with the bank if the amount owed is small. If negotiation fails, he should repay the loan immediately and pay the penalty interest together. Otherwise, it can only be solved by the court.

: the consequences of overdue credit cards. 1. The loss of a credit card usually means that the bank has lost contact with the cardholder. Once the cardholder is overdue for more than 3 months, the bank will collect it through legal means. At this time, the loss of credit card will not prevent the bank from going to court.

2. If the prosecution is a criminal lawsuit, it may be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 but not more than 200,000; If the principal is less than 50,000 yuan, criminal responsibility will not be investigated, but the fixed assets may be sealed up.

3. The cardholder will also be charged corresponding penalty interest by the bank, and the longer the time, the more penalty interest will be until you pay it off. In addition, the loan will be extremely difficult in the future, and it will even be rejected directly.

Being blacklisted after the deadline will affect your life and work. Will taking transportation affect children's schooling or their work? Once it is overdue for more than four years, taking high-speed trains will be restricted.

5. There will be high penalty interest and liquidated damages. Credit cards do not charge interest as long as they are repaid before the repayment date. If the withdrawal is overdue after a large amount of credit card consumption, it will not only generate interest, but also default interest and liquidated damages. The penalty interest is five ten thousandths of a day.