Will CCB freeze the salary card if the fast loan is overdue?

The bank loan has not been repaid and has been sued by the court. Will the salary card be frozen?

The bank loan has not been repaid and has been sued by the court, and the salary card will be frozen. When the lawsuit enters the execution stage, the borrower's assets will be frozen, which may not only freeze your salary card, but also freeze your other bank deposits. "Provisions of the Supreme People's Court on the Attachment, Seizure and Freezing of Property in Civil Enforcement by People's Courts" and "People's Republic of China (PRC) and the Supreme People's Court Proclamation" (Fa Shi [2004]15) require relevant units or individuals to assist in enforcement, the people's court shall make a notice of assistance in enforcement and send it to the person assisting in enforcement together with a copy of the ruling. The ruling of sealing up, distraining and freezing and the notice of assistance in execution shall take legal effect when served. Article 2 The people's court may seal up, detain and freeze all movable property, immovable property registered in the name of the person subjected to execution, specific movable property and other property rights. Unregistered buildings and land use rights shall be determined according to the approval documents of land use rights and other relevant evidence. If the third party confirms in writing that the property belongs to the person subjected to execution, the people's court may seal up, detain or freeze the movable property possessed by the third party or the immovable property, specific movable property and other property rights registered in the name of the third party. Article 3 After the legal document as the basis for execution comes into effect, before applying for execution, the creditor may apply to the people's court with execution jurisdiction to preserve the debtor's property. The people's court may make a preservation ruling with reference to the provisions of Article 92 of the Civil Procedure Law, and the preservation ruling shall be executed immediately. Article 4 Where property preservation measures are taken before litigation, during litigation or arbitration, they will be automatically converted into the measures of sealing up, distraining and freezing being executed after entering the execution procedure, and the provisions of Article 29 of these Provisions on the time limit for sealing up, distraining and freezing shall apply.

What will happen if CCB's fast loan is overdue? There will be these consequences!

China Construction Bank's fast loan is a high-quality credit product, which includes many different loan products. Because of the fast payment and low interest rate, there are many applicants. Be sure to remember that you must repay the loan on time, otherwise there will be serious consequences if it is overdue.

1, bad credit

Once the bank loans overdue, it will be reflected in the credit report in the form of consumer credit. As long as you don't pay it back within the time limit, the bank will report the applicant's overdue record to the central bank. This will leave bad credit on the credit report, even if it cannot be eliminated within 5 years after repayment.

Don't underestimate the stain of the credit report. It may not matter much at ordinary times, but you won't know the importance of credit report until you apply for loans, credit cards, mortgages and car loans from the bank.

2. Generate penalty interest

If CCB Express Loan fails to repay the money in time on the repayment date, it will be overdue from the next day, and the overdue penalty interest will be calculated. In loans overdue, the penalty interest rate rises by 50% on the original loan interest rate level, and the overdue penalty interest will be accumulated into the bill amount of next month, which is not a small amount, increasing the repayment burden.

Step 3 be sued

Simply put, if the overdue time is short, it will only affect the credit at most. If it is overdue for more than 90 days, that is, there are three unpaid installments, then it is maliciously overdue, and the bank can take legal measures to sue the court to recover the money. If the court refuses to repay the loan after the judgment, it may be included in the list of people who have lost their trust and may even be punished.

Generally speaking, after the fast loan of CCB is overdue, the bank will immediately freeze your access right, and only after repayment will you have a chance to reopen it.

If the online loan is not returned, will the bank card and salary card be frozen?

Although overdue online loans will bring bad effects, it is unlikely to freeze all bank cards under the borrower's name. Many online loans are not connected to the central bank's credit information system, so the overdue situation is only recorded in big data and has nothing to do with credit information. There is no overdue record of online loans on the credit information, which is unlikely to affect the bank card under its name.

Of course, there are also some online loans that are connected to the central bank's credit information system. These online lending platforms with credit information and financial licenses may bring a lawsuit to the court if the borrower's overdue debt is serious. The bank card under the borrower's name may be frozen at that time.

However, regardless of whether the overdue online loan will freeze the bank card under the borrower's name, the borrower should try to avoid overdue online loans. After all, overdue online loans will affect the borrower's personal credit and even affect the borrower's subsequent credit business. Borrowers should develop the good habit of paying back on time.

Tips: The above contents are for reference only.

Reply time: 2022-0 1- 17. Please refer to the latest business changes announced by Ping An Bank in official website.

CCB has a credit card. How much will it cost to get a new salary card after the deadline?

All wages may be detained until the arrears are paid.

If CCB's credit card is overdue for a long time. You should have received the dunning message from CCB and the information of overdue deduction. Therefore, if the arrears are not paid off, it may be blocked to apply for the CCB salary card.

The consequence of overdue credit card arrears is that the parties need to pay interest during the overdue period, which may lead to bad credit records. If the overdue period is too long, they may be sued by banks and other financial institutions for repayment.