What will happen if I can't return my bank credit card? It has been recognized by readers and the response is not bad. But there is a question at the end of the article: Can the money owed to the bank credit card be repaid? Some readers asked me directly in the comments if I could shirk it. Honey, I want to tell you a lot of things that can't be said publicly. You can only pay attention to my headline number and consult this question privately. So, everyone remember to pay attention to my headline number!
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Can I pay back the money I owe the bank credit card?
Disclaimer: The following is written after consulting a third-party collection company (law firm), not a fabrication.
Can I not pay back the credit card owed to the bank? If I told you I could, would you believe it? I specifically consulted the staff of the collection company for this matter. Let me give you an example to illustrate. Note: there are some things you can't say clearly, so you have to understand them yourself.
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Example:
The 25-year-old anonymous owes a bank a credit card 10W, and the bank entrusts a third-party company to legally collect it. The collection was assigned to Xiao Zhang. Xiao Zhang found that the girl lost her father since she was a child, and her mother died six months ago. She had no house or car, and was an only child, working in a private enterprise. Xiao Zhang contacted the woman by phone. The woman told Xiao Zhang that she would pay back the money if she couldn't afford it now, and then hung up the phone. Every time she contacted, it was like this.
In desperation, Xiao Zhang and his colleagues went to the unit to find themselves. I learned from herself and her colleagues that her mother was seriously ill a year ago. In order to save her mother, she spent all her savings, credit card money and donations from her colleagues. She now deposits all her savings in the bank every month except the living expenses, which is about 1000- 1500 per month.
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This is very difficult for Xiao Zhang who has no father, no mother, no house, no car and no savings. She can't afford it even if she is forced to have it every day. Besides, she spent all her credit card money to save her mother. Xiao Zhang was moved by compassion and decided not to bother her again. However, Xiao only promised not to disturb her for three months. After three months, the bank will entrust other companies to collect the money after it is confiscated.
When I talked with Xiao Zhang, I was deeply impressed by Xiao Zhang. After all, he is kind at heart. So I asked Xiao Zhang, "How do you get back to the company?" Xiao Zhang said: "Going back to the company shows that the company will not waste too much energy in this unexpected situation."
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I asked Xiao Zhang, "Will she go to jail for this? Will she be prosecuted by the court? Can she pay off or forgive these debts? " This time, three questions are probably the most concerned issues for everyone. Let me summarize what Xiao Zhang said as follows.
She's not going to jail. It is a prerequisite for the bank to report to the Economic Investigation Bureau. The most important point is: malicious overdraft, and the amount is huge. If it cannot be confirmed as malicious overdraft, even if it is reported, the investigation will not be filed. There are two important conditions for malicious overdraft: 1, one-time credit card swiping on POS machine or batch credit card swiping in a short time. In fact, this is what we call cashing. 2. I haven't returned my card once after swiping it. This is an important basis for judging whether there is malicious overdraft. If you haven't returned your card once, you can judge that you didn't consider returning it before swiping it, so you are suspected of malicious overdraft.
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Although the girl's credit card was swiped at the hospital POS machine, it was not swiped at one time or in a short time, and she paid back the money every month. Therefore, two important conditions that constitute malicious overdraft do not meet. Even if the bank goes to the Economic Investigation Bureau to report the case, the Economic Investigation Bureau will not file a case, so she will not go to jail for malicious overdraft.
The bank will sue her, but because the girl has no house, car or deposit, and the girl is willing to return the card, the court can't do anything about her. This is what we usually call inadequate implementation. Of course, you can also negotiate with the bank to repay by installments, free of interest and late fees. Don't worry, the bank will agree. After all, it is better to recover the principal than bad debts.
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Last question, can you get rid of or forgive these debts? If you meet the conditions in the example, the court will not implement it in place, and the bank can't help it, but the debt will always be there. But do you know what will happen? If you are included in the national list of untrustworthy people, basically your life will be ruined. For example, you can't fly, take the high-speed train, go abroad, start a company and so on. The most important thing is that your children will not be able to attend key private schools in the future, which will do harm to your children.
If you want to forgive these debts, there is a situation. That is, after you swipe your card, you suddenly encounter an accident, which makes you disabled. No one wants to encounter this situation!
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The article is written here, everyone should have a bottom in their hearts! I also know that no one wants to owe money to the bank, and they are willing to pay it back if they have money. But if it is really not enough, everyone can manage it.
Finally, remind readers not to apply for a credit card as much as possible, because it is easy to make irrational (numb) consumption with a credit card in hand, and once it is not returned, it will bring endless trouble to yourself.