Non-malicious overdue:
If you just forget the repayment temporarily, or delay the repayment for some reason (such as going abroad), then it will not have any serious consequences to explain it to the bank in time.
Malicious overdue is different. You may face these problems:
To the light said:
1. Pay late fees and penalty interest.
Second, the central bank has left a bad credit record, which will hinder the handling of cards and loans in the future.
Three: Suffering from various short message collection, telephone collection, outsourcing collection, etc.
If you refuse to pay back the money, the bank will give you trouble. ......
There is such a provision about credit card crime in the criminal law: if the overdraft exceeds the prescribed limit or time limit and is not returned for more than 3 months after two collections, it is characterized as malicious overdraft. Those who maliciously overdraw 1 10,000 or more and are dissatisfied with 1 10,000 are deemed to be relatively large, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; From 65438+ 10,000 to 1 10,000, the amount is huge, and the sentence is more than five years 10 years.
In addition, you may be included in the "list of people who have broken their promises" (commonly known as the "blacklist of Lao Lai"), and what awaits you is a more serious "torture".
Torture 1: the only house that can be auctioned.
When the house is auctioned, the bank will only provide a small-area house for the executor according to the standard of low-rent housing to maintain his living needs.
Torture 2: Seizing and freezing online virtual accounts
The funds in online virtual trading accounts such as Alipay, mobile payment and WeChat payment also belong to the property of the executed person. Book a tourist room online, buy insurance, rent a house, date, etc. Will be restricted.
Torture 3: Online freezing and seizure of property
People can send electronic legal documents through the Internet and receive the result data and electronic receipts of financial institutions' inquiries, freezing, deduction and disposal. With a click of the mouse, the judge can inquire, freeze and deduct your financial property in more than 4,000 banking financial institutions across the country.
Torture 4: blacklist synchronization sesame credit, online shopping is limited.
The Supreme People and Sesame Credit signed a memorandum of cooperation on credit punishment for those who lost their trust. Sesame Credit cooperates with Taobao, Tmall, Chezhibao, Fun Staging and other application platforms, and comprehensively restricts the untrustworthy in consumer finance, ant small loans, credit cards, P2P, hotels, renting houses and renting cars through channels such as the Internet.
Torture 5: No boss, director, supervisor or senior manager.
Any natural person (Lao Lai) who refuses to repay all or part of the debts due and is included in the list of people at all levels in the country who have broken their promises will be punished by credit and may not serve as the legal representative, director, supervisor or senior manager of any company in the country.
Torture 6: Travel by sea, land and air is blocked.
Vehicles entering and leaving the expressway toll station will be temporarily detained and handed over by high-speed law enforcement; Can't buy a plane ticket; Trains can't buy soft sleepers, and ships can't buy second-class cabins; Can't take the first-class seat of high-speed rail and bullet train; Can't buy a private car. Water, land and air travel is blocked!
Torture 7: high consumption is forbidden and can no longer be willful.
You can't spend at will in hotels, hotels, nightclubs, golf courses and other places above the star level; Want to buy a house, decorate the house is not allowed; If you want to travel abroad or have a holiday, you can't; If you want to apply for a credit card and loan from the bank, it is difficult to pass the examination and approval!
Torture 8: Don't let children go to key private schools.
The Supreme People's Regulations: Parents are Lao Lai, and children are not allowed to attend private schools with high fees.
Torture 9: Pensions can be deducted directly.
The pension due to the person subjected to execution shall be regarded as the fixed income of the person subjected to execution and belong to the scope of his responsible property. According to Article 243rd of the Civil Procedure Law of People's Republic of China (PRC), people have the right to freeze or deduct. However, before freezing or deducting, the necessary living expenses of the person subjected to execution and his dependents shall be reserved.
Torture 10: the maximum sentence is 7 years.
From 20 15, 1 1, the criminal law amendment (IX) came into effect. Article 313 of the Criminal Law is amended as: "Whoever refuses to execute the people's judgment or ruling, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined. "
What will happen if the credit card is not paid by the repayment date?
Sixty days overdue is included in personal credit information; Overdue for 90 days, included in the personal credit bad information; If it is overdue for more than 90 days, the bank will no longer collect the arrears and will file a lawsuit with.
(1) If it is returned to the bank within one month from the first repayment date, it will be dunned. If you don't change it, your account will be frozen. If you don't change it, you will use the means of the bank, and the credit record will definitely be entered directly. There will be overdraft interest, five ten thousandths per day, compound interest. Accumulate a bad credit record. It will be blacklisted by the People's Bank of China in three days.
(2) Credit card Credit card pays attention to a credit. If you don't repay on time, it will certainly affect your personal credit. If you want to get involved in credit in the future, stand aside.
(3) If the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed as overdue with interest of 0.05%. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged.
(4) If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%.
(5) If China Merchants Bank uses a credit card, the minimum repayment amount of the credit card is the minimum amount that you must repay before the monthly repayment due date stipulated by the bank. You can not repay in full, but the repayment amount of each installment must be greater than the minimum repayment amount, which is the basic repayment requirement for you to maintain a good credit record.
What will happen if the credit card is not?
The consequences of not returning the credit card are as follows:
1, and high interest will be charged if it is overdue. Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, 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 reaches18%;
2. There will be a credit card late fee. Credit card late fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not included or the repayment amount is lower than the minimum repayment amount. At present, most banks, such as China Merchants Bank, China Construction Bank, ICBC and Shenzhen Development Bank, have a minimum repayment amount of 5%. The minimum late payment fee for the dragon card of China Construction Bank is 5 yuan RMB, and the minimum late payment fee for the dual-currency credit card of China Merchants Bank is 10 RMB or 1 USD.
3. Bad credit records will be generated. Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank. For customers with bad records, BOC will be cautious when handling loans in the future, and may require customers to provide mortgages and guarantees, which may reduce the loan amount, raise the loan interest rate or even refuse loans. On the contrary, if there is a good record in the credit report, it will be possible to enjoy the preferential amount and interest rate in the future credit business;
4. Time and duration may lead to litigation costs. If the cardholder fails to repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the user overdraws 180 days and still refuses to repay, the bank will file a lawsuit, and the losing party will bear the litigation costs of the case. Generally, the bank requires the user to repay the loan, and the bank wins the case, so this part of the cost will be borne by the user;
5. Malicious overdraft requires criminal responsibility.
Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC).
As well as the relevant judicial interpretation, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being collected by the issuing bank; Malicious overdraft for credit card activities, a large amount will be investigated for criminal responsibility for credit card crimes.
What are the consequences of credit cards?
Consequences of non-repayment of credit card debt: 1. The debtor shall pay extra overdue interest and liquidated damages. 2. The debtor's personal credit report may produce bad records. 3. It may be enforced after taking it.
Extended data:
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.
There are more and more emerging repayment methods, but the mainstream ones are online transfer repayment provided by banks, card-to-card repayment of third-party POS machines, and telephone banking repayment. If you have a fixed repayment method and repayment cycle, the monthly credit card repayment will become "easy" and will never take up too much time, let alone go to the bank to queue up. In addition, I would like to remind you that when choosing a credit card, you should ask clearly what repayment methods the bank supports and try to handle credit cards with more diversified repayment methods. Don't be fooled by petty profits such as "credit card shopping discount" After all, the convenience of credit card is the most important thing.
The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to pay back at maturity may not only lead to law, but also bear a high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.
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.
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 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.
What are the consequences of overdue credit cards?
Now many people have applied for credit cards, and credit cards still have many benefits for many people. First of all, credit cards can enjoy overdraft consumption; Secondly, credit card repayment methods are diverse, which can reduce the repayment pressure for cardholders even if they spend too much; Credit cards often have some exclusive consumer rights. But credit cards also have a fixed repayment period, so what will happen if credit cards don't repay when they expire?
1. Overdue credit cards will be reported to the credit information system by banks, which will have a negative impact on personal credit information. If the credit record cannot be revoked, the bad record shall be kept for 5 years.
2. Overdue repayment of credit cards will generate corresponding late fees according to the overdue time, which will increase the repayment pressure of individuals.
3. If the cardholder fails to repay for a long time, it may involve a credit card and will be affected.
The above is the introduction of some consequences of credit card failure to repay on time, I hope it will help.
What are the consequences of overdue credit cards?
With the continuous development of social economy, in real life, we will always encounter various situations, especially what will happen after our credit card expires, which also makes many of our netizens very worried about this. In fact, we should know that overdue repayment of credit cards will have many adverse consequences. Next, Bian Xiao will show you what bad consequences it will bring us.
First of all, we should know that overdue repayment is a very serious illegal act after credit card overdraft. The bank may require the cardholder to repay the principal, and the corresponding overdue interest, overdue fine, excess part and other related expenses. Once the bank wins the case directly, the cardholder will bear the corresponding expenses. Therefore, our overdue repayment will have a very serious impact on us, and even lead us to be sued by the bank, so as to get the corresponding lawsuit. Therefore, when
Besides, we need to know who our current banking system is. Under the central bank system, that is, when we are overdue, there is a great possibility that there will be bad credit records, and these bad credit records will directly enter our personal credit information system, which will have a serious impact on us, especially in our future life. If we want a housing loan, it is very likely that we can't get a loan from the bank, and our high-speed train and plane can't take it, because there is something wrong with personal credit information, and these things will be seriously affected.
To sum up, we can clearly know that if the credit card is overdue, it will bring us serious consequences, and these serious consequences include that our personal credit information will be seriously affected and our lives will be affected. This is right or wrong.
This is the end of the introduction about the consequences of credit card failure and, um, what will happen if the credit card fails. I wonder if you have found the information you need?