First, how to analyze the real cases of overdue credit card collection
1. The bank first uses telephone and SMS for colle
First, how to analyze the real cases of overdue credit card collection
1. The bank first uses telephone and SMS for collection. At this stage, the bank mainly reminds you that it is overdue. Generally, there will be no frequent text messages and phone calls, so don't escape and negotiate calmly.
Generally speaking, after the bank's collection call is invalid, it may be collected at home. Everyone should pay attention to the number of people who come to the door, whether there is any illegal behavior at the door, and keep the evidence. If there is, you can call the police directly. Of course, if the other party forces you to open the door, you can also call the police.
3. If the on-site collection is still invalid, the bank will take final measures to prosecute. Attention must be paid at this stage, because the court believes that the cardholder's malicious overdraft constitutes a crime of credit card fraud, with at least two years' imprisonment or criminal detention.
2. What are the consequences of overdue credit cards?
1. If it is only overdue, the bank will call every few days to collect it. If the arrears can be paid off within one month after the deadline, the overdue records can also be deleted without affecting the credit investigation. If it is overdue for 2 months in a row, you can also negotiate with the bank to delete it.
2. If you have been in arrears, you will leave a bad record on the credit. If the debtor wants to apply for a credit card loan after a bad credit record, he will find that almost no bank or online lending platform will approve it. This is because when applying for a credit card or online loan, the debtor's credit information will be inquired. If you have a bad record, you will naturally not lend.
After a long time, interest will continue to increase, and small money can be dragged into huge sums. The daily interest rate of the credit card is five ten thousandths, and 5% of all arrears should be used as liquidated damages.
Third, bad credit. How to restore credit?
1. Pay off the debt immediately. If the debt is paid off for more than five years, the credit information will be updated and the bad records will be cleared.
2. If you really can't afford it, you should also take the initiative to negotiate with the bank to apply for installment repayment or stop lending. Otherwise, the credit investigation will always keep bad records.
Don't rush to sell the card after paying off the debt. After the card is sold, the credit information will not be updated, so even if the debt is paid off, the bad record will be retained. It's best to wait until the bad record is eliminated for five years before selling the card.
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