What if the credit card arrears are forcibly deducted? I owe the credit card bank a direct debit.

1. What should I do if the credit card arrears are forcibly deducted?

If the credit card f

What if the credit card arrears are forcibly deducted? I owe the credit card bank a direct debit.

1. What should I do if the credit card arrears are forcibly deducted?

If the credit card fails to repay the arrears within the time limit and the arrears are forcibly deducted, the following methods shall be adopted:

1, illegal deduction

It is illegal for banks to deduct money and pay back the arrears. The parties may complain to the bank or CBRC. If the complaint is fruitless, they can report it to the public security organ.

2. Legal deduction

If the bank deducts money to repay the credit card debt according to the effective judgment or ruling of the court, it is a legal deduction. If a party refuses to accept the decision, he may appeal or appeal to the people's court on the judgment or ruling.

Second, the credit card overdue repayment solution without money

1. Take advantage of the delayed service provided by the bank:

If the funds can only be repaid in one or two days, you can use the bank's deferred repayment service. General banks have a 1-3-day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Handling credit card installment or minimum repayment amount:

If you don't apply for a credit card in the short term, you can consider applying for a credit card installment or paying the minimum repayment amount. Although these two methods have to pay certain interest to the bank, they also avoid bad credit records caused by overdue.

3. Effective change of bill date:

If it is expected that a bill may not be repaid at that time, you can apply to the bank to change the date of the bill before the bill comes out to extend the repayment period. Of course, the accounting date can't be changed. The details can only be confirmed by consulting the bank.

4. Find a friend or family member to borrow money for turnover:

Find a friend or family member to turn around, borrow some money to pay back the credit card first, and then pay back the money when there is more money.

Third, how long will the credit card go to jail?

If the credit card has not been returned for more than 3 months after being collected twice by the issuing bank, and the amount is more than 1 10,000 yuan, which constitutes the crime of credit card fraud, you will go to jail. Whoever commits this crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years and shall also be fined.

If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or his property shall be confiscated.

Only by developing good repayment habits can we avoid the occurrence of overdue, otherwise, once overdue, banks will try their best to repay themselves. If they are really unable to repay, they can try to contact the bank to negotiate repayment. However, if they don't pay back the money, they will still have to pay it back if they finally sue the court, and there will be compulsory deduction.