My credit card is 4 years overdue and has been visited once or twice. Once, two debt collection requests from Industrial Bank came to my door. These two collections were made by third parties, and they were very arrogant. They came to my house and asked if so-and-so was there and when his money would be repaid. I told them I had no money now, and they asked me to go to the police station. I said let's go together. Because I understand the law, and I also understand the law. I know that it is useless to go to the police station if the credit card is overdue. I can only sit down and talk. When they call the police, they are basically third parties who want to scare you. If you go directly with them, they won't even dare to go themselves. In the end, they had no choice but to take photos of my home and leave.
For Bank of China credit card collection, local bank salesmen come to your door, which is different from other people's door-to-door collection. people say politely. People ask you what difficulties you have. If your family is in trouble, they will help you apply for interest relief. If you have temporary difficulties, you can negotiate for installment repayment. Because you owe money, no matter how long it takes, you will eventually have to pay it back, so there is no escape. Now let’s understand the situation. Is it difficult? They are more polite, speak nicely, and are basically very realistic. They will also report it if they negotiate relief.
I am 4 years overdue, and the most rubbish one is the Bank of Communications, which is super disgusting. Finding some third parties is the same as online loan collection, and the Bank of Communications interest will increase indefinitely. The People's Construction Bank of China is doing better, with interest rates rising relatively slowly. CCB is now giving me bad debts.
It doesn’t matter if your credit card is overdue. It will be fine. Don’t be fooled into thinking your child can’t read. There are two types of blacklists, one is credit blacklist, and you cannot get a loan if you are blacklisted. The second kind of evil is when the court decides that you are evil and restricts your high consumption. It is possible that your property will be auctioned, but the probability of being auctioned is about 30%.
Anyone online who says they can help you negotiate credit card repayments or interest exemptions are all scammers. All banking transactions must be done in person, without a middleman. Even if the handling fee is reduced, the bank will negotiate with you.
I applied for a credit card in Shenzhen in 2008, and my overdraft was more than 3,000 yuan and I have never paid it back. Not long after the financial crisis broke out, I left Shenzhen and changed my mobile phone number.
One day, the village committee secretary suddenly sent a letter to my home, saying that I had committed a crime outside and had to go to the police station to solve the problem as soon as possible, otherwise I would be taken to court and put in jail.
I estimated that the interest would double and the late fees and liquidated damages would be too high, so I took the initiative to call the bank to explain the situation. Unexpectedly, the female bank customer service attitude was surprisingly good, saying that as long as the repayment can be waived, it will be paid off within a few days.
I told the customer service that I didn’t have that much money and could only pay back the principal. I also asked her who called our local police department. She replied that it was their lawyer who found the phone number of our village secretary.
I was worried about my reputation, so I refunded the money the next day and told the secretary that the credit card had defrauded me, not me.
First of all, interest will continue to be calculated, and some banks also charge penalty interest, which means that the interest will be rolled over. The total amount you owe will snowball, and your principal amount owed is 65,438+00,000. In a few years, the principal and interest will likely reach 35,000 or more.
Secondly, the initiative in civil litigation is always in the hands of the issuing bank. Although it is not recognized by the bank, it is not cleared in your name. When the conditions are ripe, you will receive a court summons at any time. Even if you refuse to appear in court, you can still get a default judgment. If one day your bank account is frozen, don’t be surprised, you’ve already filed a lawsuit.
Third, those who refuse to repay or are unable to repay may be held criminally responsible for credit card fraud. This is not a civil lawsuit filed by the court, but a criminal case filed by the public security agency. You can refuse contact or hide, but you may be wanted online. There are always people here saying that a friend owes 50,000 yuan and has never paid it back. Isn't he still handsome? You're bluffing! All I can say is that this is not only a sign of legal ignorance, but also an encouragement to jump into a pit of fire. In short, you are not arrested and jailed, but you are lucky, or you have been isolated from the world, or you have embarked on the road to escape. These are not valid reasons for you, they are just excuses for you to live in a dark corner.
Fourth, credit punishment. Credit cards that are overdue for more than 3 months will be blacklisted without exception. Then there will be a chain reaction, and an invisible cage will restrict your daily behavior.
A person who does not repay a credit card debt, but is proud of it or makes excuses because he will never borrow money from the bank or apply for a credit card again, even if it is to buy a car or a house in full for business; do not enter high-end hotels and entertainment venues ; Don’t take the high-speed rail, don’t go abroad; If you are not looking for a job or are worried about your children’s schooling and employment, of course you can ignore the blacklist. You want to live in isolation, who can stop you?
A friend who drives a Mercedes suddenly called me one day and asked him why he couldn't get a mortgage to buy a house. I asked him if he had any credit cards and if the loan was overdue or unpaid. He hesitated and said that more than ten years ago, the credit union had outstanding loans of more than 10,000 yuan. I asked him why he didn't return them. He was speechless, and so was I. The questioner always wants to find shortcuts or excuses to avoid responsibility and punishment, but never thinks about how to fulfill his life contract. I don’t know if it’s sympathy or lamentation.
Having a credit card worth RMB 10,000 is generally not enough to constitute a crime of credit card fraud, so you will generally not go to jail.
However, after all, it is money owed to the bank, not personal money. Banks have many ways to deal with this kind of thing.
The first consequence is that your credit report is hacked.
The bad credit report means that my future business in the bank will be severely restricted, such as loans and credit cards, which is basically unthinkable. In other situations where credit is required, such as going to some places to participate in bidding, you need to show yourself or your credit record. This kind of thing is also unacceptable.
The second consequence is that interest and liquidated damages go up and are always recorded in the account.
Some banks will stop paying interest to a certain extent, but some banks will not continue to raise interest rates. They will have to deal with it later, and the benefits will need to be paid back together.
The third consequence is prosecution.
If you go to court, it is impossible to win this kind of thing. The court will order both parties to repay the interest, principal, late payment fees, liquidated damages, legal fees, bank attorney fees, etc. stipulated in the contract.
The fourth consequence is enforcement.
After the case is enforced, the court will invite the parties to tea. If you do not cooperate, you will be fined and detained, and then the properties under your name will be investigated and punished, high consumption will be restricted, etc.
The fifth consequence is that those who refuse to commit crimes will be held criminally responsible.
As mentioned before, if the amount of overdraft on a credit card is not reached, it generally does not constitute a crime of credit card fraud. However, if the loan is enforced and you have the ability to refuse to perform, and the circumstances are serious, you may be suspected of "refusing to execute the court's judgment." If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years; if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years.
If you only owe 1,000 yuan and it has been four years, there will be almost no impact, except that you will not be able to borrow money in the future. The following are some specific situations:
1. Negotiate repayment
If there is no repayment for four years, the amount is not large, and the bank itself knows that it will be difficult to recover the money. Basically, as long as you are willing to repay, the bank will agree. At this time, you will be charged liquidated damages, the interest will be reduced, and only the principal will be repaid.
Two. As a bad debt
This situation is most likely because the amount is not large and it has been a long time. In four years, you must have been charged many times and still have not repaid, so the cost of prosecution is relatively high. Even if you win the lawsuit, you may not be able to get it, so it is possible that the money will be classified as bad debt. In addition, in the collection process in recent years, if you have a bad attitude and refuse to pay back, the bank customer service will also classify you as a bad debt. Once it is classified as bad debt, it will appear permanently on your credit report. You will never deal with a bank in your life. You are fine at this time, but you want to repay the loan and restore your credit report. You have to put in a good word to the bank and ask them to open a repayment channel for you. After repayment, the account will be closed. Sometimes banks don't care about the money. If you have a bad attitude, it will always be listed as a bad debt for you.
Three. Prosecution in Court
It is also possible to sue in court. A bank with 10,000 yuan may not sue you individually, but may sue you in batches. After filing a lawsuit, if you do not pay back the money, you can apply for enforcement and freeze the bank cards, WeChat Alipay, etc. in your name. If you have money, deduct it until it is paid off.
Four. Debt transfer
It is also possible that the bank will sell your debt to a third-party company, such as selling it to a qualified company at a 50% discount, and then transfer your debt to the third-party institution. At this time, the bank will not care about the debt, but the third-party company will ask you for it.
The above situations are all possible, but according to your question, ten thousand yuan has been paid for four years, so it is most likely to be classified as a bad debt. If you don't deal with the bank in the future, it will have no impact on you, but it is recommended to negotiate with the bank to pay it off. People will inevitably encounter various situations in their lives, and it does not really mean that they will not deal with banks for the rest of their lives.
The bad debts have been written off. I don't want to change them.
Actively negotiate with the bank
What will happen if you owe 10,000 on a credit card for four years? There will be trouble, possibly always on the way.
First, if you don’t repay your credit card, the interest rate will be very high. The annual interest rate is approximately 18.25%. Including liquidated damages, the interest for one year is calculated at 20%, and the principal and interest for four years is almost 20,000. The reason why we don’t collect money vigorously now is because the amount is not large. Generally, the intensity is increased after more than 50,000. However, it is certain that you will be included in the list of dishonest people. It is impossible to get a loan in all banks.
Second, credit card fraud may come. According to current standards, courts will generally allow cases to be filed only if the number exceeds 50,000. Once a case is filed, your bank card or other enforceable property will be frozen in most cases. Once you file a lawsuit, the court will rule that you may be included in the list of dishonest persons, and you may be restricted from excessive consumption, such as flying or taking high-speed rail. If you fail to repay your credit card intentionally or multiple times, you may be convicted of credit card fraud, lose your personal freedom, go to jail, or be fined by the court. Finally, you have to enforce your personal property to repay the principal and interest on the credit card.
So it is better to pay off your credit card debt as early as possible. It's not that easy for them, and it's not that easy for Lao Lai either. Now is a society ruled by law. Without credit, it may be difficult to move forward.
What can I do? I still owe more, and the more I owe, the more I owe.
With credit cards, unlike bank cards, you cancel your account after a period of inactivity.
Better than bank cards. It will crouch there waiting for you like a vicious dog (very docile at first). When nothing happens, it will wag its tail and bark at you with its teeth. I hope you can go over and pet it, or give it a pig bone.
What if you haven’t touched it in four years. Then, it will have low self-esteem, think that it is not good enough, and be extremely disappointed, leading to a stroke and becoming stupid.
It doesn’t matter if it’s stupid, you can consider killing it and replacing it with a dog.
But you haven’t touched it or given it anything to eat in four years. Then it must have been hungry, until one day it was so hungry that it cried and was heartbroken, plus it was already stupid.
That’s crazy.
It was crazy, and eventually, its eyes turned red and it went rabid. From a dog that wags its tail in front of you all day long and does nothing to help your courage, it has become the other extreme - commonly known as a "mad dog".
This mad dog will bite you if nothing happens. When it gets tired, it will rest for a while and continue to bite the next day.
It will get back everything it has lost during this period. It will bite you all over and leave traces of its bites on you, making those dogs who want to follow you think that you are a dog. What kind of person.
Let me tell you quietly, if this dog is big enough, you may have to be hospitalized for several years.
But fortunately, when you bought this dog, it was very small, only 1 catties. It increases by 20% every year, and it is only 1.8 catties in four years. Not enough to put you in the hospital.
I suggest you kill it as soon as possible. Otherwise, if the amount is too large, you will definitely have to go to the hospital for several months.
It doesn’t matter if you lie down for a few months.
The most important thing is that the bite marks on your body cannot be erased. In addition, the hospital will keep your medical records.
In the end, you never get a dog again.
It is recommended that dog lovers keep a dog within their own capabilities and do not starve it to death. I'm so hungry that I'm going to bite you!
(The above is purely a personal opinion.)
Hope it is helpful to you!
If so, I only owe ten thousand, and I would have paid it back eight hundred years earlier. . . . I just owe 400,000. . . . I still want to quit. . . It just hasn’t moved yet. .