1. Is it legal to be detained for credit card arrears 15 days?
1. Is it legal to be detained for credit card arrears 15 days?
Whether it is legal to deduct 15 days for credit card arrears depends on the degree of your credit card arrears. Under normal circumstances, if you are detained for 15 days, the overdue credit card is very serious, and the local public security organs and judicial organs have been involved in the bank card arrears.
If your credit card is overdue for a small amount in a short time, the bank will not enter the judicial process in this case, and naturally there will be no institution to detain you for 15 days. If you have been prosecuted by judicial authorities and detained for 15 days, you may have entered ranking litigation or criminal litigation. Specifically, you can directly consult the staff of the relevant institutions that detained you.
Second, how to stop using the credit card?
First of all, for the promotion and settlement of credit cards, the first thing we should do is to ask ourselves whether we are qualified for suspension and settlement conditions through offline outlets or online customer service. This step requires us to take the initiative to contact the bank, understand the premise, and then communicate with the bank in a friendly way.
Second, if you are not qualified to apply for the bank to stop paying interest, the bank has not reached an installment agreement with itself. At this time, even if we can't repay the loan now, we still have to borrow money from relatives and friends or pay back the money from the bank in other ways, because the overdue time of the credit card is directly related to your careful evaluation of personal credit information.
3. How to negotiate with the bank to solve the overdue credit card?
First, the premise of overdue credit card negotiation with the bank is to contact the bank actively and maintain a sincere attitude in the process of contacting the bank. Remember not to follow the abusive communication attitude of the bank, which will only bring you some unnecessary trouble.
Second, we can objectively tell the bank our income at this stage, objectively analyze the pressure we are facing at this stage and the attitude caused by some uncontrollable factors.
If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.