Your money station is seriously overdue, so you can check the credit information. Now we will send a letter to your domicile and apply for a stop payment order to stop all your accounts?

Personal arrears can be negotiated with creditors and repaid as soon as possible. Otherwise, if it has not been returned, it is likely to be enforced after the court's decision. According to Article 667 of the Civil Law of People's Republic of China (PRC), a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

What should I pay attention to in loan procedures?

No matter how good the loan relationship is, you should also make an IOU when borrowing money. No IOU is the biggest legal risk. Article 4 of the Supreme People's Court's Opinions on the Trial of Loan Cases by People's Courts stipulates that the court shall require the plaintiff to provide a written loan certificate when trying a loan case. If there is no written loan, the necessary factual basis shall be provided. Without evidence, the people's court will not accept it. Therefore, when borrowing money, the borrower should take the initiative to write a written loan, and the lender should also remind the other party to write a loan. In case of special circumstances, if it is impossible to make an iou on the spot, a third person shall testify and make up the iou afterwards. The lender shall issue a receipt when repaying the loan, and the repayment person shall keep the receipt properly.

It is of course natural to pay back debts. If one party refuses to pay back the money after borrowing, the creditor may sue the debtor in court and demand immediate repayment of the loan and interest. If the court decides that the repayment parties are unwilling to pay back the money, then the debtor may be enforced. If it cannot be enforced, it will limit a series of rights of the debtor.

1. As one of the four state-owned banks, CCB has always been trusted and favored by many users. Over the years, the number of credit cards issued by CCB has been increasing, and the number of overdue credit cards has also increased.

Two. 202 1 CCB's new policy on overdue credit cards 1. Tolerance Time According to the new regulations, CCB cancelled the overdue tolerance limit of credit cards, and the tolerance period was 3 natural days, requiring cardholders to call to apply. The so-called time tolerance means that when the credit card repayment date comes, the cardholder fails to repay in time and can repay within the specified time, so it is not overdue. Tolerance means the difference between the bill amount and the actual repayment amount. When the cardholder repays less than or equal to a certain value, the bank will default to the cardholder's repayment. 2. Penalty interest arising from overdue According to the new regulations, after the credit card bill of CCB cardholders is overdue, CCB will charge a penalty interest of 5% of the outstanding minimum repayment amount every month. If the cardholder can't repay the minimum repayment amount, he can also negotiate with the bank to reduce the minimum repayment amount. If the bank allows, the minimum monthly repayment amount of the cardholder can be less than 10%. According to the regulations, when banks collect credit cards, the interval between two collections needs at least 30 days. If collectors deliberately avoid it, the collection times can be more frequent.

3. Will the credit card points of CCB be cleared?

First of all, CCB's credit card points are valid for life within the validity period of the credit card. Even if your credit card is about to expire, your credit card points will not expire and will not be cleared, as long as you apply to the bank for a new credit card when it expires. Moreover, in some cases, China Construction Bank will provide automatic card replacement service for cardholders one month in advance, and mail the new card to the billing address before the expiration of the card validity period. After receiving the new card, the new card can be used after activation, and the old card will be invalid, and the old card will be cut and destroyed by the cardholder himself.