1. What is the process of suspending the use of bank credit cards?
After the credit card is overdue, if the customer wants t
1. What is the process of suspending the use of bank credit cards?
After the credit card is overdue, if the customer wants to stop paying, he can directly call the service hotline of the issuing bank to apply to the customer service staff.
However, the bank will not directly agree, and it needs customer consultation. During the negotiation, it is necessary to explain clearly to the banks that they are temporarily unable to repay their debts, indicating that they did not intentionally fail to repay their debts. It is best to provide some information to prove, and then express willingness to actively repay, and the bank will consider it as appropriate.
In addition to applying for suspension of payment, customers can actually try to apply for an extension of the repayment period and repay the arrears in installments. If the bank finally agrees, it will not try to calculate interest after the arrears. As for the interest and principal of the arrears, the customer only needs to repay them in installments on time according to the repayment plan newly negotiated with the bank.
Advise customers to develop a good habit of paying back on time. If they find that they can't repay on time, they can apply for bill installment or minimum repayment amount in advance before the repayment date to avoid overdue.
2. What are the consequences of overdue credit card repayment?
1, penalty interest for overdue credit card.
2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.
3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.
4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.
5. Criminal responsibility for malicious overdraft.
Third, the common types of credit card fraud
1. You lied that you won the grand prize by SMS or telephone, and asked for your card number in the name of remittance demand, asking you to pay 20% income tax first and transfer it to its designated account.
2. The policeman posing as the public security economic investigation department lied that your credit card was stolen, and the suspect has been arrested, asking you to report the card number and password to the "public security personnel".
4. Post a "notice" to induce you to transfer money. Post a notice on the ATM machine, such as "Bank system failure, please follow the following procedures, otherwise you will bear the consequences". Follow the prompts and you will transfer the amount on the card to the liar.
5. Create the illusion that the credit card has been swallowed. First tamper with the ATM so that the card can't be taken out, and then pretend to be a kind person to remind you to re-enter the password. When your operation is invalid and you ask in the bank business hall, "good people" will take the card away.
6. Install micro camera and card reader on ATM in advance. When withdrawing money from ATM, steal credit card information and password, and then clone bank card to withdraw money.
Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.