2. If you haven't paid back on time for more than three months in a row, it is very likely that you have entered the bank's credit card blacklist. It is suggested to know your account information from the bank customer service as soon as possible and pay off the arrears in time, so as not to cause greater losses and affect your credit history. Credit card debt is huge, and if it is overdue for a long time, the cardholder may face criminal punishment.
3. If it is because the bank suspects that you are cashing out, you must call the bank to explain the situation, and the bank will help you resume using it.
Consequences of overdue credit card:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Credit card is a revolving loan issued by banks to users. When you apply for a credit card, the bank will give you an initial credit limit according to your personal qualifications and past credit status. The bank will analyze your daily consumption behavior and your consumption habits, combine your repayment situation, and increase or decrease the credit line of the credit card according to the comprehensive situation. Many third-party online loans also evaluate the credit limit of cardholders through bills.
People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up the use of credit cards and go through the formalities of card withdrawal in time. Otherwise, the expenditure of credit cards and the interest and late payment fees generated in the later period will lead to personal economic losses and credit reduction, which will affect mortgage and car loans.
Extended data:
Part of the reason why the credit card was stopped:
The cardholder's Longka credit card is suspended, or the cardholder actively applies for account cancellation or requests to stop the card, or the cardholder fails to repay the loan as agreed, or the cardholder fails to fulfill the installment payment agreement, or the cardholder's debt performance ability or credit degree is reduced (including but not limited to the cardholder's violation of laws, regulations, articles of association, acquiring agreement or relevant business regulations when using the credit card).
The application materials provided by the cardholder are untrue, inaccurate and incomplete; The cardholder refuses to bear the risks and responsibilities arising from the use of credit card transactions.
The cardholder refuses to pay various fees to the Construction Bank;
The cardholder's account has not been repaid for three consecutive months or the repayment has not reached the minimum repayment amount since the first billing date.
Cardholders use credit cards to make false transactions.
The cardholder refuses or hinders CCB from investigating his income or credit status.
If the cardholder dies, the legal heir of his property will not continue to perform this agreement.
If the cardholder is declared missing, his property custodian will not continue to perform this agreement.
If the cardholder loses his capacity for civil conduct, his guardian will not continue to perform this agreement.
The cardholder is involved in or about to be involved in major litigation, arbitration proceedings or other legal disputes, and CCB believes that it may or has affected or damaged CCB's rights and interests under this Agreement.
Other major changes have taken place in the credit status or repayment ability of the cardholder, including but not limited to work adjustment, income reduction, unemployment, serious illness, default on other debts, etc. , which is enough to affect the repayment ability, and no longer meets the conditions for CCB to handle credit cards and has not added the guarantee recognized by CCB.
China Construction Bank-Credit Card Channel?
Zhi Hu- credit card stopped.
Baidu Encyclopedia-Credit Card _