How to deal with overdue credit card of Guangfa (overdue credit card of Guangfa)

1. How to deal with expired CGB credit cards?

1. If the cardholder can't pay off the debt in one lump sum,

How to deal with overdue credit card of Guangfa (overdue credit card of Guangfa)

1. How to deal with expired CGB credit cards?

1. If the cardholder can't pay off the debt in one lump sum, he needs to contact the bank customer service staff to apply for installment repayment or stop paying the bill. This method depends on the cardholder's overdue situation. If it is overdue for more than one year, he is willing to negotiate repayment, but due to some unexpected reasons, he can't pay off part of it, so the bank may arrange negotiators to negotiate with the cardholder.

2. If you can barely pay it off in one lump sum, you can't afford it because the interest or liquidated damages are too high. Cardholders can also negotiate with banks to reduce some interest and liquidated damages, so that they can repay in one lump sum. Most banks prefer this method.

2. How will Guangfa Credit Card be collected after it is overdue?

1, SMS collection: mainly aimed at overdue repayment with short overdue time. Usually, this kind of collection is mainly used after 7- 15 days overdue, and SMS mainly plays a reminder role.

2. Telephone collection: it is mainly used for telephone collection of overdue behaviors of more than 30 days and more than one order.

3. Door-to-door collection: If it is overdue for more than 90 days, the bank will arrange the collection personnel to go to the cardholder's residence or work address to collect the repayment.

4. Court proceedings: If the overdue period exceeds half a year, the bank will apply to the court to sue the cardholder for repayment.

5. Outsourcing collection: For cardholders who can't recover their debts for a long time, the bank will package the overdue funds and transfer them to the outsourcing collection company for collection.

3. Will Guangfa Credit Card go to jail if it is overdue?

If your credit card is overdue, you may not go to jail. Only those who forge or fraudulently use their identity cards and business licenses to apply for credit cards from banks, or forge, alter or fraudulently use credit cards to defraud property, will be investigated for criminal responsibility for fraud according to law.

In addition, if an individual, for the purpose of illegal possession, or knowingly fails to repay, uses a credit card to maliciously overdraw, defrauds property of more than 5,000 yuan, evades investigation, or fails to repay after being urged by the bank for more than three months, he will also be investigated for criminal responsibility for fraud. However, if malicious overdraft constitutes a crime, if all overdraft interest has been refunded from the date of the crime to the date of prosecution by the people's procuratorate, the punishment may be mitigated or criminal responsibility may be exempted.

All in all, the above are all about how to deal with the overdue credit card of Guangfa. If the cardholder has overdue problems, it is best to take the initiative to negotiate with the issuing bank to avoid the breach of contract affecting daily life.

The consequences of overdue are still very serious. If it is not handled in time, it may face litigation risks. Contact legal counsel to solve your overdue troubles.