Owe credit card for two years

What will happen if the credit card is overdue for 2 years?

Consequences of overdue credit card for two years: 1. Bad credit records will be generated, which will affect personal credit and future credit business, such as loans, car loans, mortgages and handling other businesses. And it will also affect individuals who handle credit card business in other banks; 2. Overdue repayment will generate interest and late fees. If the default time is too long, it will generate high interest and late fees; 3. If it is overdue for more than half a year, the bank may file a civil lawsuit and demand compulsory repayment; 4. If it is a malicious overdraft and refuses to repay, the large amount may involve credit card crimes and need to bear criminal responsibility.

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Credit card repayment type:

Intra-bank repayment

The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Network repayment

Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Make an inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Guimiantong

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or terminals that purchase "Lacarra" equipment.

Xinfutong

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Repayment pass

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

Intelligent repayment

The main function of the new industry is to use the balance of 5%- 10% in the card to make a good consumption repayment plan, and then automatically recover the consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. The basic functions are bill management, local payment, card-free application, etc.

What will the bank do if the credit card is overdue for 2 years?

Personally engaged in the financial industry for 8 years, I have in-depth contact and research on bank loans, credit cards, online loans and consumer finance, and have solved similar problems for more than 1000 friends. Let me answer this question for you.

Credit card overdue for too long? Generally speaking, there will be several consequences: overdue bad debts, bank receipt, entrusting local branches to collect money or entrusting a third party to collect money.

I looked up the information in detail and called the People's Bank of China and some commercial banks. The conclusion is that there is no specific term for overdue bad debts. Depending on the specific situation, different banks have different treatment methods, and the time and method are also decided by each bank.

Generally, overdue debts are reviewed and approved by the audit departments of various banks. Months, years, even for some big brothers, five or six years, seven or eight years, it still hasn't turned into bad debts.

How long does it usually take the bank to get the account? According to the relevant laws and regulations of China's credit card, if the cardholder is overdue for more than 90 days, the bank has the right to leave. If the overdue amount is not large and the cardholder can be contacted, the bank will generally not collect it or entrust a third party to collect it. However, during the overdue period, liquidated damages and interest will continue to be calculated.

If the overdue amount exceeds 50,000 yuan, and the bank still fails to repay the loan after two reminders for more than 3 months, the bank may take the cardholder as a credit card crime. Once it is determined that the cardholder is maliciously overdrawn, the cardholder will be convicted of a credit card crime, not only compulsory repayment, but also bear the corresponding criminal responsibility.

What I want to say here is that bad debts and banks can be carried out at the same time. If it becomes a bad debt after the deadline, the bad debt information will always be displayed on the personal credit report, which has a great impact on personal credit. There are basically no banks and credit companies to approve your credit card or issue loans. Only after paying off the debt and paying it off for five years will the credit report return to normal.

And cherish, be sure to protect your personal credit.

I hope my answer can help you pay attention to @ Jingjing Jingjing, and I will continue to answer your questions about bank credit cards and loans.

If you are two years overdue, you may now pay attention to the following three issues.

1. How to return it?

2. What about high liquidated damages and interest?

3. Now take the initiative to contact the bank, will it be, or will it be in trouble.

The correct way to operate: Step 1, contact the customer service of the bank and explain the situation. Don't put money into a credit card in a muddle, most of it will be eaten up by interest.

What if the bank credit card is overdue for 2 years?

The second step is bargaining. Otherwise, liquidated damages and interest will kill you. Tell the bank that you are willing to pay back the money, but you don't have that much money and ask to pay it back in installments. Generally speaking, if it is overdue for so long, the bank will consider exempting the liquidated damages and worry that the principal will not be recovered.

Don't worry about it, the bank just wants his money back. In addition, as long as there is no evidence of your malicious overdue, it is a civil issue.

Please communicate the repayment situation in time to avoid the formation of bad debts and bad debts, which will affect your personal life-long credit record.

Credit card overdue for 2 years, from the perspective of personal credit, the impact is very bad. Credit records are divided into two ways: one is overdue within 90 days. This kind of overdue can be regarded as general overdue. The other is more than 90 days overdue, so this kind of overdue is very serious. In the case of overdue for two years. This situation is more serious.

General banks deal with overdue credit cards in two ways according to the amount. If the amount owed is relatively large, the bank will definitely take the form of collection to solve it, and will not enforce it through legal proceedings. The borrower will even bear the corresponding criminal responsibility. However, if the amount owed is not large, the bank thinks that the collection cost is greater than the actual amount owed. Then the bank will not accept the money, and it can treat the arrears as "bad debts". Every bank has a bad debt rate every year, which is allowed. For the debtor, in principle, there is no need to repay. However, the debtor's credit information will definitely enter the dark room. Will be affected for life.

Therefore, if the credit card is overdue for two years, the debtor has the ability to repay. Then you can definitely contact the bank and write off this bad debt by repayment. After the bad debt record is written off, the debtor's credit record will return to normal after 3-5 years.

But negotiating with banks also needs to pay attention to ways and means. After all, the credit card is overdue for 2 years, and the resulting interest and late fees are definitely not a small amount. In fact, the debtor can negotiate with the bank to pay only the principal. This can also minimize the loss of the debtor himself.

Of course, the discussion also needs to pay attention to certain ways and means. At the same time, we should learn more about the relevant laws and regulations of credit cards. After all, banks have the right to recover interest and late fees.

The credit card has expired. Usually, the bank will freeze your credit card. After paying off the debt, you can call the bank to ask for unfreezing and continue to use the card, but the amount will be much reduced. If you can continue to use the card in the future, spend every month and repay on time, your bad credit record will be eliminated after two years. If you are eager to return the card after paying off the debt, the bad credit record will always exist, and it is a hurdle to need mortgage and car loan in the future. I hope you will consider it carefully.

Article 196 of China's criminal law and related judicial interpretations stipulate that if a credit card holder 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, it belongs to malicious overdraft. If the amount is more than 5000 yuan, it constitutes a credit card crime.

1. If the payment is overdue for more than one week, the bank will reduce the credit card limit to remind you to repay.

2. Within one month after the payment is overdue, the bank will notify the repayment by phone or SMS, otherwise it will charge a penalty interest at the meeting. During this period, the bank will not take any compulsory measures.

If the payment is overdue for more than one month, the bank may outsource your dunning work to a third party. At this time, you can contact your family and friends.

If it is overdue for more than three months, the bank will sue you for credit card crime, and then you will face the bank.

After the credit card user overdue, the bank reported the case, which shows that the plot has been very serious. After receiving the report from the bank, the public security and judicial organs will immediately file a case. The so-called filing is that the public security and judicial organs accept the bank report and file an investigation, mainly to verify whether the case is true or not.

There are two cases of overdue filing of credit cards, one is civil filing, the other is criminal filing, and the filing standards of different cases are different.

1

Civil filing

The standard of civil filing is low. If the overdue credit card user does not meet the criminal filing standard of malicious overdraft, the bank can file a civil lawsuit as long as it files a civil lawsuit against the overdue user.

2

Criminal filing

There are three main criteria for criminal filing of credit cards: 1, and the cardholder is overdue for more than 3 months; 2. The overdue amount of the cardholder reaches 50,000 yuan; The bank made two effective reminders and refused to return them.

As long as the above three points are met at the same time, overdue credit card users may be investigated for criminal responsibility by banks.

I'm glad to answer this question. If it is overdue for two years, the bank will not take the initiative to find you. At this time, you need to take the initiative to find a bank and negotiate repayment with the bank to avoid interest and late fees. Communicate your repayment intention with the bank. The harder it is to explain your previous reasons, the easier it is for the bank to reduce or exempt. Under normal circumstances, banks just want to recover the principal.

If the amount owed is large and there is no repayment action, judicial proceedings may be taken if you can't contact. Generally speaking, credit card debt can't be repaid. First of all, don't change your mobile phone. Let the bank know that you are unable to pay back the money now, not maliciously. As long as you take the initiative to communicate with the bank and actively negotiate repayment, the bank will have a reduction policy.

Credit cards should not be used for daily consumption as far as possible. It is very convenient for business or other purposes. If you don't control the credit card, when you spend more than your income, the hole in the credit card will become bigger and bigger, and one card will gradually become multiple cards and eventually become a card slave. Increasing income is the right way, do what you can!

There are many ways to deal with overdue credit cards, depending on how much you owe the bank. If the circumstances are serious, it can be handled as a criminal case. Generally, I will discuss with you first, and then work out the repayment method. If there is a small bill, I will deal with it first. There is no need to wait until it expires. My own business investment failed, and my credit card was almost overdue, so I had to pay it back slowly. There is no need to wait until the bill is overdue.

Face it positively, you have been in arrears for too long, and at worst, the bank will execute you. But the credit card is not available yet. You can use the repayment software of UnionPay!

First contact the user who is in arrears. If you refuse to answer the phone or can't get in touch, report to the central bank for credit according to the normal procedures of the bank! In any case, it is best to make money through hard work and pay back as much as possible. Now is the credit society, a person's credit is more important than money! Failing to pay it back within the time limit and breaking the contract maliciously will affect the cardholder and the next generation of cardholders! While spending, I advise you to do what you can!

Take the initiative to contact the bank and say that you are interested in paying back the money. You can talk to the bank about repaying the principal, not counting interest, and talk slowly.

What will happen if the credit card is overdue for 2 years? This consequence is the most serious.

Many people think that it is ok to use their own cards and not pay back after spending. It can only be said that such people are so stupid that they even bet on their own credit in order to occupy the money of credit cards, not to mention that they will be investigated for criminal responsibility if their credit cards are overdue. Once they are found to have maliciously overdrawn their credit cards, it is only a matter of time before they are punished.

Some netizens asked, what will happen if the credit card is overdue for 2 years? In a word, the credit card is overdue for so long, and personal credit information is basically hopeless. As for whether it will be punished, it depends on the bank's decision. Here we will analyze it from the perspective of overdue time.

We all know that credit card overdue will affect credit, but according to the overdue time, there are also light and heavy points. Credit records are divided into two situations with 90 days as the limit of credit card overdue, and those overdue for less than 90 days are regarded as general overdue; Overdue for more than 90 days is a very serious overdue.

Obviously, if a credit card is overdue for two years, it will be very overdue. If the overdue amount is too large, it is likely to be investigated for criminal responsibility, and you may be punished. If you are punished, you still have to pay it back. If you don't want to be investigated for criminal responsibility, you must take the initiative to contact the bank for repayment when you are in the bank.

Here's a problem. If it is overdue for two years, the interest and late payment fee will definitely be a large sum. If the interest is calculated at a daily interest rate of five ten thousandths, the arrears of a few dollars may become tens of thousands, which is obviously not cost-effective. But we can negotiate the repayment amount with the bank to see if we can only repay the principal and minimize our losses. It should be noted that you must have a good attitude when negotiating, otherwise if you make the bank unhappy, the negotiation will fail in all likelihood.

It can be reminded here that if the overdue amount of a credit card is less than 50,000 yuan, the probability of being punished will be lower, because the sentencing standard for malicious overdraft of a credit card cannot be reached, but there are always exceptions. You'd better not be overdue easily, even if it is overdue, you should pay back the arrears as soon as possible. After all, overdue will affect credit. In the credit society, if you break your promise seriously, you will not be able to move forward.

What should I do if my credit card is overdue for more than 2 years and I still can't repay it?

You can try to negotiate repayment with the bank. Banks that are overdue for a long time and maliciously owe money can take judicial channels, hoping to attract attention. Serious overdue will leave a bad credit record.

What should I do if my credit card is overdue for two years?

Legal analysis: The way to overdue a credit card for two years is to pay off the debt as soon as possible. If the credit card is overdue, the bank will generally freeze it. After paying off the debt, you can call the bank to ask for unfreezing and continue to use the card, but the amount will be much reduced. You can continue to use the card in the future, you can spend it every month and repay it on time. After two years, bad credit records will be eliminated. After paying off the debt, you are eager to cancel the card, and the bad credit record will always exist.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) engages in credit card activities under any of the following circumstances. If the amount is relatively large, he 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 and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (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. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

This concludes the introduction of owing credit cards for two years and bank credit cards for two years. I wonder if you found the information you need from it?