Joke Collection Website - Public benefit messages - I owe the principal of China Merchants Bank's credit card120,000, which has been owed for half a year. I received a short message about the reduction and exemption policy today. Can it really be reduc

I owe the principal of China Merchants Bank's credit card120,000, which has been owed for half a year. I received a short message about the reduction and exemption policy today. Can it really be reduc

I owe the principal of China Merchants Bank's credit card120,000, which has been owed for half a year. I received a short message about the reduction and exemption policy today. Can it really be reduced? I owe the principal of China Merchants Bank's credit card120,000, which has been owed for half a year. I received a short message about the reduction and exemption policy today. In this case, don't blindly communicate with the other party, be careful that it is a scam message. The best way is to consult the local China Merchants Bank before making plans.

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Consequences of non-repayment of credit card:

1, interest payment will increase;

2. Will be sued by the bank;

3. Affect your personal credit information system in the People's Bank of China. Personal credit information system is very important for China citizens now, which will affect your future loans and handling other bank credit cards;

The bank will have a special person to collect it.

Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 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 not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, 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 confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

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Credit card repayment method:

1. Repayment by the issuing bank.

Including issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. This should be regarded as the most direct and quickest repayment method. Generally, money can be credited on the same day, and the handling fee is free. This method is the best choice under the premise of pressing repayment time.

At present, most domestic banks support counter, ATM, online banking and automatic transfer. However, it should be pointed out that when cardholders transfer money through online banking, they need to open the online banking transfer function of debit cards; Automatic transfer needs to meet the condition of "current account with the same name", that is, the transferred debit card and the transferred credit card must be cards in the same bank name. Relatively speaking, this agreed repayment is also the most convenient way. However, the cardholder should pay attention to the balance of the current account used for repayment, so as to avoid the failure of automatic repayment due to insufficient balance and unnecessary overdraft interest and late payment fees. The most convenient way is to directly associate the salary card with the commonly used credit card. In addition, automatic repayment is usually divided into "minimum repayment" and "full repayment". If you don't want to be charged interest by the bank, and the balance of the account used for repayment is sufficient, it is best to set it to the full repayment mode.

Telephone banking repayment is limited to some banks that have opened the telephone repayment function, such as China Merchants Bank and Industrial Bank, and cardholders need to confirm in advance.

2. Third-party repayment.

At present, although the online banks of major banks have opened the inter-bank transfer business, they basically charge fees, which generally cannot be received in time. Using a third party to pay the repayment can completely solve the problems of charging and timely arrival. Compared with other repayment methods, third-party payment is the most convenient, economical and desirable.

3. Repayment method: cross-bank remittance repayment.

Inter-bank transfer or remittance repayment mainly includes inter-bank transfer in the same city and inter-bank transfer in different places. Either way, you need to pay a certain fee. The charging standard refers to the remittance charge of the bank. In addition, the arrival time of this method is relatively lagging behind, so cardholders should try not to use this method to repay unless absolutely necessary.