Joke Collection Website - Public benefit messages - The credit card owed more than 30 thousand, and the bank issued a report. Is it true?/You don't say.

The credit card owed more than 30 thousand, and the bank issued a report. Is it true?/You don't say.

Let me ask you, what should I do if my credit card is overdue?

You may say that it will affect your personal credit information and you need to pay a high penalty interest, but there is another possibility that you will be reported and prosecuted.

This happened to netizen Xiao Zhi, who received a report.

On May 13, Xiao Zhi received a message on his mobile phone, which was originally thought to be a spam message. Unexpectedly, it was a report sent by the bank to the Public Security Bureau.

Why did Xiao Zhi receive the report?

It turns out that Xiao Zhi's credit card is overdue, which has been overdue for more than 4 months.

20 17 Xiao Zhi applied for a credit card in Industrial Bank for her usual consumption. Basically, he will repay the loan on time after each use. However, after he overdrawn more than 30,000 yuan from Cary in June 5438+this year 10, he failed to repay the loan on time.

"I really have no money. In addition to this credit card, I still owe more than 300,000 loans, and even the car loan has not been paid back for 2 months. " Xiao Zhi said.

In fact, Xiao Zhi was a businessman earlier and invested in bars, restaurants and electronic digital products. Because of poor market and poor management, Xiao Zhi lost hundreds of thousands and owed more than 200,000 yuan. Later, Xiao Zhi became a taxi driver to make a living and pay off debts.

"There are too many black cars now, and the taxi business is not good. I can't earn much money in a month. Apart from family living expenses, there is basically not much money left to pay off debts. " Sometimes there are more places to spend money. Xiao Zhi not only can't pay back the money, but also has to borrow money everywhere. He has borrowed Alipay and 7 14 anti-aircraft guns.

Qian Xiaozhi of the 7 14 antiaircraft gun has been paid off. In Xiao Zhi's words, the money really can't be borrowed, and the interest is too high. But after paying off the antiaircraft gun, Xiao Zhi didn't expect another blow from the bank.

Before receiving this report, Xiao Zhi's family received several calls from the bank, but Xiao Zhi didn't receive it because she changed her mobile phone number.

But what puzzled Xiao Zhi was that every time someone called to collect the phone bill, he claimed to be a lawyer and asked him to pay back the money as soon as possible. Xiao Zhi asked him which firm's lawyer he was, but the other party was silent.

So, is the report received true?

At present, Xiao Zhi has not verified it, and he admits that he doesn't know how to verify it.

I suggest that Xiao Zhi had better call the customer service of the bank credit card center to confirm, or go directly to the public security bureau to check. It is not ruled out that this may be a means for a third-party collection agency to collect money, because banks generally do not suddenly send a message saying that they report a case for prosecution.

For overdue credit cards, the court adjusted the amount of malicious overdraft from the original 1 10,000 to 50,000 in February last year. "Large amount" refers to more than 50 thousand yuan but less than 500 thousand yuan.

Although Xiao Zhi owes less than 50,000 yuan, it does not rule out the suspicion of illegal possession, so it is still possible for him to be reported and prosecuted by the bank. Therefore, Xiao Zhi still has to find a way to pay back the credit card money, and the longer it is owed, the more serious the consequences will be.

I believe there are not a few people like Xiao Zhi whose credit cards are overdue. If you are really unable to repay after being collected by the bank, you can do this:

1. Minimum repayment amount;

2. Handle bill installment payment;

3. Take the initiative to contact the issuing bank and negotiate a solution.

The above three methods can help you reduce the pressure of repayment and avoid the risk of being sued.

I would like to remind you that when your credit card is overdue, you'd better not ignore it and pay back as much as you have. Don't treat it as a trifle.