Why didn't you urge the credit card?

The credit card has expired for three years. Why doesn't the bank accept it now?

Under normal circumstances, as long as the credit card is overdue, you will receive the bank's dunning information, or the bank's dunning phone will let the user repay. However, some people's credit cards are overdue, and banks do not urge them to return them. This kind of thing does exist in real life. For example, the overdue amount of credit cards is too small, and banks simply don't want to pay attention to this matter. Credit card users should go to the door to handle it themselves, otherwise the bank will not rush it.

However, as the overdue amount of this credit card becomes longer and longer, the interest will be higher and higher. When the amount is large, the bank will remind the credit card user to make repayment. For example, some people still have a few cents on their credit cards. After a few years, these few cents will roll into thousands of dollars. After that, the bank will start to remind. That is, the bank 2 credit card user completely changed his personal information. The phone number and home address have been changed, and the bank can't contact the credit card. When users go to the bank to apply for a credit card, they will record personal information, such as ID number, name, telephone number, home address and so on. However, with the extension of credit card account opening time, the information left by credit card users in the bank has expired in the past ten years, the phone number has changed, and even the home address has moved, and the banking system is full of useless information.

When this credit card is overdue, the dunning information and telephone number sent by the bank can't even contact the customer when the bank comes to the door. And the customer didn't take the initiative to contact the bank, so be it, whether the credit card is overdue or not. So if this happens, the bank can't contact customers, and it doesn't take the initiative to contact the bank for overdue repayment, and it accumulates directly year after year. In fact, the bank has already collected overdue payments, or credit card users have failed to appear in court due to special factors. Maybe the credit card user didn't cooperate with the bank at all, or didn't answer the bank's dunning call. Another possibility is that the credit card user blocked the phone calls and text messages of the bank, and the credit card user didn't know the further dunning of the bank at all, thinking that the bank didn't make dunning.

Of course, it is not excluded that the bank has arrived and applied for a unilateral trial. Even if the credit card user does not appear in court, the judgment can be made according to the specific situation. Through the judgment, credit card users will be forced to repay and deduct relevant personal assets. At this point, credit card users are not aware of it. In short, no matter what causes the credit card to be overdue, the bank will not collect it. You know, the overdue amount of credit cards will never be less, it will only get bigger and bigger. It will be very troublesome to deal with it then.

The credit card has expired for three years. Why doesn't the bank accept it now?

You owe the bank 1 minute and you need to pay it back, and the interest is getting bigger and bigger, but the bank directly deducts you 1 minute, which is the most realistic phenomenon.

As for credit cards overdue for three years, there must be a reason why banks don't accept them. The following reasons are not excluded:

1. The overdue amount of the credit card is too small, and the bank doesn't want to find you. Let the overdue amount roll up and let you pay it back.

Under normal circumstances, as long as the credit card is overdue, you will receive the dunning information from the bank or the dunning phone number from the bank for the user to repay.

However, some people's credit cards are overdue, and banks do not urge them to return them. This kind of thing does exist in real life. For example, the overdue amount of credit cards is too small, and banks simply don't want to pay attention to this matter. Credit card users should go to the door to handle it themselves, otherwise the bank will not rush it.

But the overdue amount of this credit card is getting longer and longer, and the interest generated is getting higher and higher. When the amount is large, the bank will remind the credit card user to repay.

For example, some people have a few cents left on their credit cards, and this arrears will generate interest. In a few years, a few cents will roll into thousands of dollars. When it reached several thousand yuan, the bank began to recycle it. If not, this is the bank.

2. The credit card user has completely changed his personal information, and his phone number and home address have been changed, so the bank can't contact the credit card user.

Personal information, such as ID number, name, telephone number, home address and so on, will be recorded when you go to the bank to apply for a credit card.

However, due to the long opening time of credit card accounts, in the past ten years, the information left by credit card users in the bank has expired, the telephone has been changed, and even the home address has moved, and the banking system is full of useless information.

When this credit card is overdue, the dunning information and telephone number sent by the bank can't even contact the customer when the bank comes to the door. Moreover, the customer did not take the initiative to contact the bank, so he ignored the overdue credit card and let nature take its course.

So if this happens, the bank can't contact the customer, and the customer doesn't take the initiative to contact the bank for repayment. This overdue payment will be directly accumulated year by year.

3. In fact, the bank has already collected the overdue payment, or has used the credit card, but the credit card user did not appear in court due to special factors.

The bank has reminded this credit card. Perhaps the credit card users don't cooperate with the bank at all, or don't answer the bank's reminder calls at all.

Another possibility is that the credit card user blocked the phone calls and text messages of the bank, and the credit card user didn't know the further dunning of the bank at all, thinking that the bank didn't make dunning.

Of course, it is not excluded that the bank has arrived and applied for a unilateral trial. Even if the credit card user does not appear in court, the judgment can be made according to the specific situation. Through the judgment, credit card users will be forced to repay and deduct relevant personal assets. At this point, credit card users are not aware of it.

Summarize and analyze

In short, no matter what causes the credit card to be overdue, the bank will not collect it. You know, the overdue amount of credit cards will never be less, it will only get bigger and bigger. It will be very troublesome to deal with it then.

Always remember that the money owed to the bank's credit card is always recorded, and the bank will contact the user sooner or later to urge the repayment of this debt, which cannot be written off in one lump sum, so it is suggested that credit card users must use their credit cards rationally.

Why didn't the bank collect the overdue credit card?

Because every bank will give these cardholders a period of time to pay back the money, if they don't pay back within this period of time, they will be collected, and if the collection fails, they will be rejected.

The credit card has expired. Why don't banks generally accept it?

First, the credit card limit is low, and the cost is high if the bank chooses or collects money.

Credit card is a kind of credit loan product produced by banks in order to provide convenience for users' consumption. The credit card limit is relatively low, which is suitable for daily consumption. There are still some differences between credit cards and loans. Loans are mainly suitable for large purposes, and credit cards are mainly suitable for small consumption.

When the user's credit card is overdue, the credit card center will generally call for collection. There is still no result after telephone collection, and the credit card center calls for collection.

Although the effect is better, the cost is higher. The amount owed by users is relatively small. If collection is adopted, the cost may be higher than the amount owed by users, so even if the arrears are collected, the bank will still lose money.

Second, the bank staff is limited, and there is no way to timely collect or

The bank credit card center does not collect overdue credit card users. Another reason is that there are fewer bank staff and there is not much energy to deal with these overdue businesses.

For bank employees, higher income and better welfare are good things, but for banks, the cost will be high. In order to control the operating costs of banks, banks have certain control over staffing. It is precisely because of the control of personnel costs that bank staff are generally in a state of tension.

When the bank's credit card is overdue, the bank staff do not have so much time and energy to pay attention to the overdue users' collection, which leads to the overdue of some users' credit cards, and some users even think that the bank ignores his credit card overdue.

For users with overdue credit cards, even if the bank does not collect them, the record of overdue credit cards will be reflected in the user's personal credit information, thus affecting the normal work and life of users.

The credit card has been overdue for many years. Why can't the bank collect it now?

You owe the bank 1 minute and you need to pay it back, and the interest is getting bigger and bigger, but the bank directly deducts you 1 minute, which is the most realistic phenomenon.

As for credit cards overdue for three years, there must be a reason why banks don't accept them. The following reasons are not excluded:

1. The overdue amount of the credit card is too small, and the bank doesn't want to find you. Let the overdue amount roll up and let you pay it back.

Under normal circumstances, as long as the credit card is overdue, you will receive the dunning information from the bank or the dunning phone number from the bank for the user to repay.

However, some people's credit cards are overdue, and banks do not urge them to return them. This kind of thing does exist in real life. For example, the overdue amount of credit cards is too small, and banks simply don't want to pay attention to this matter. Credit card users should go to the door to handle it themselves, otherwise the bank will not rush it.

But the overdue amount of this credit card is getting longer and longer, and the interest generated is getting higher and higher. When the amount is large, the bank will remind the credit card user to repay.

For example, some people have a few cents left on their credit cards, and this arrears will generate interest. In a few years, a few cents will roll into thousands of dollars. When it reached several thousand yuan, the bank began to recycle it. If not, this is the bank.

2. The credit card user has completely changed his personal information, and his phone number and home address have been changed, so the bank can't contact the credit card user.

Personal information, such as ID number, name, telephone number, home address and so on, will be recorded when you go to the bank to apply for a credit card.

However, due to the long opening time of credit card accounts, in the past ten years, the information left by credit card users in the bank has expired, the telephone has been changed, and even the home address has moved, and the banking system is full of useless information.

When this credit card is overdue, the dunning information and telephone number sent by the bank can't even contact the customer when the bank comes to the door. Moreover, the customer did not take the initiative to contact the bank, so he ignored the overdue credit card and let nature take its course.

So if this happens, the bank can't contact the customer, and the customer doesn't take the initiative to contact the bank for repayment. This overdue payment will be directly accumulated year by year.

3. In fact, the bank has already collected the overdue payment, or has used the credit card, but the credit card user did not appear in court due to special factors.

The bank has reminded this credit card. Perhaps the credit card users don't cooperate with the bank at all, or don't answer the bank's reminder calls at all.

Another possibility is that the credit card user blocked the phone calls and text messages of the bank, and the credit card user didn't know the further dunning of the bank at all, thinking that the bank didn't make dunning.

Of course, it is not excluded that the bank has arrived and applied for a unilateral trial. Even if the credit card user does not appear in court, the judgment can be made according to the specific situation. Through the judgment, credit card users will be forced to repay and deduct relevant personal assets. At this point, credit card users are not aware of it.

Summarize and analyze

In short, no matter what causes the credit card to be overdue, the bank will not collect it. You know, the overdue amount of credit cards will never be less, it will only get bigger and bigger. It will be very troublesome to deal with it then.

Always remember that the money owed to the bank's credit card is always recorded, and the bank will contact the user sooner or later to urge the repayment of this debt, which cannot be written off in one lump sum, so it is suggested that credit card users must use their credit cards rationally.

What is it that the credit card is overdue and suddenly not urged?

If the credit card suddenly expires, it is probably because the bank intends to let the customer repay through legal channels, and then the customer is likely to receive a notice from the lawyer. Of course, it is also possible that the customer is overdue for too long and the bank can't contact anyone, so the overdue debt is listed as bad debt and the collection is abandoned.

Consequences of overdue repayment of credit cards:

Consequence one:

After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

Except for ICBC, the other 12 banks still carry out full penalty interest. Full penalty interest means that even if the customer repays the part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths. In addition, some banks stipulate that interest shall be calculated at five ten thousandths within 15 days from the bookkeeping date, ten thousandths after 15 days, and fifteen thousandths after 30 days or when the overdraft amount exceeds the specified limit. The longer the default time, the higher the penalty interest.

Consequence 2:

Violent collection of legal credit cards has become a hot topic. Many bank credit card centers outsource the collection of credit card repayment to some so-called "debt collection companies". The quality of these companies is mixed, and the methods of debt collection are rough, which brings great trouble to customers.

Not only that, customers who breach the contract may also face legal problems. According to the provisions of the Criminal Law, if a bank fails to repay a credit card with a malicious overdraft exceeding 5,000 yuan after three months of collection, if the circumstances are serious, it can be investigated for criminal responsibility for this crime. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.

Consequence 3:

Leave a "credit stain" in the national credit information system. In 2006, the central bank established a national unified enterprise and individual credit information basic database. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in this system. The "stain" in this report can't be ignored. It will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years. 20 12, 1 1, the new personal credit report of the central bank was launched, and the credit card and loans overdue situation before 2009 1 were no longer displayed, and the overdue records were retained for 5 years thereafter. This move means that the public's overdue negative record is no longer accompanied by a lifetime. If you can repay in full and on time within five years, your credit can be cleared.

Why don't you accept the credit card? What should I do if the unprocessed credit card is accepted? This concludes our introduction. I wonder if you found the information you need from it?