Is it true that credit card debt 12306 sent a message to restrict railways?

It doesn’t matter. Under normal circumstances, although an overdue credit card will leave a bad credit record on the personal credit report, it will not affect people’s travel, so they can naturally take the high-speed rail.

But if your credit card is overdue for so long that you are sued by the bank and enforced by a court judgment, and you still refuse to repay, you will most likely be included in the list of dishonest persons by the court. among. Once you enter the list of dishonest people, your daily travel will be affected. You will not be able to buy tickets, and naturally you will not be able to take the high-speed rail.

If an individual is overdue in bank credit card repayment or mortgage repayment, it will be recorded in the personal credit system, resulting in a bad credit record, which will have an impact on the individual's subsequent application for credit cards and loans. . However, only those who have breached their trust will be restricted from high consumption, such as being prohibited from flying, sleeping in trains, etc. This is a joint disciplinary mechanism established by the Supreme People's Court in cooperation with multiple departments. The Supreme People's Court has a clear definition of "untrustworthy persons subject to enforcement", which is different from persons with bad credit records. Relevant policies stipulate that the punishment for personal dishonesty is definitely becoming more and more stringent, but judging from the current situation, the content pushed by this bank has a situation of "stealing concepts". For individual citizens, as long as there is no malicious intent to exceed the deadline, they will not be jointly punished by multiple departments. What should citizens pay attention to when using credit cards and repaying bank loans? This person reminded people to be careful not to have overdue payments for multiple months in a row. If the repayment is one or two days overdue, contact the bank promptly to apply for a grace period. After overdue payment occurs, it must be repaid and remedied in a timely manner.

So when your credit card is overdue, you must pay it back as soon as possible to avoid more serious consequences and affect your personal life. And even if you can't pay it off, you can still negotiate with the bank and ask the bank to grant you a longer period of grace. As long as you have a positive willingness to repay the loan, the bank will generally agree.