You can entrust relatives and friends instead of repayment. Reward yourself after you get out of prison. In this case, you can repay yourself after you get out of prison. However, the penalty interest, interest and liquidated damages of the credit card during the prison term are still being calculated. After the release, you can negotiate with the bank to pay less or not to pay the relevant fees to reduce the relevant fees. Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.
What about people's credit cards in detention centers?
(1) You can set related repayment, or ask your family and friends for help. (2) When a person is in a detention center, he can authorize others to repay the credit card on his behalf. (3) In the case of being sentenced, the credit card of the prisoner cannot be used normally, and the credit card cancellation procedures should be handled. If it is inconvenient for a prisoner to go through the formalities of canceling his account, others may handle it on his behalf.
What about the credit card when you are arrested for breaking the law?
What if the debtor is in prison? Does that mean you don't have to pay the debt?
Don't be so naive, you have to pay it back sooner or later, unless you are poor, the bank can't help it. The bank can only admit that it was planted, but your personal credit report is definitely black. If it is black, it will definitely have a great influence on yourself and will be subject to many restrictions!
At present, some people have applied for bank credit cards before committing crimes. Because they are in prison, they have no stable income and can't repay on time. Banks generally classify them as non-performing lenders.
For overdue collection, banks will generally collect repayment in these two channels first.
1 personal account
That is, on the repayment date, deduct the arrears from the debtor's account, not because there is no money in prison!
2. Family members assist in repayment.
If the cardholder says he is in prison, the bank will ask the cardholder's family for repayment. What if the cardholder owes too much money and the family can't afford it? Banks will deal with these bad debts first, and then keep them until criminals come out to repay them, or package them to asset companies, and then the debts of cardholders and asset companies.
If you owe money to the bank, the bank must safeguard its rights and interests. Many people come out after committing crimes and find that their debts are increasing instead of decreasing, such as overdue fees, late fees and liquidated damages.
I'm Ceng Peng, specializing in financial credit card loans. Welcome to pay attention to exchange and study!
Your question is very embarrassing, just like asking me to uninstall Alipay without returning it. Yes, I must return it.
When people are in prison, they can ask their family or friends to help them pay back their credit cards, and then pay them back when the funds are plentiful. If the credit card is overdue and the circumstances are serious, it will be investigated for legal responsibility by the bank and may also go to jail. If you have difficulty in repaying your credit card, you can apply for the bank's delayed repayment service in a short time, or you can repay it by installment, the minimum repayment amount or changing the bill date.
Even if you go to jail, you have to pay back the money in your credit card. When you are in prison, you can ask your family or friends to help you pay back your credit card, and then pay back the money when you have enough money.
If you have difficulty in repaying your credit card, you can apply for the bank's delayed repayment service in a short time, or you can repay it by installment, the minimum repayment amount or changing the bill date.
I stress again, don't be so naive. You have to pay it back sooner or later, unless you are poor, the bank can't help it. The bank can only accept it, but your personal credit report must have been hacked. If you are hacked, it will definitely have a great impact on yourself and will be subject to many restrictions!
Because they are in prison, have no stable income and can't repay on time, banks will generally list them as non-performing lenders. These are quite scary, not only have nothing to do with finance in the future, but also completely affect children's lives.
For overdue collection, banks generally collect repayment from these two channels.
1, personal account
Even if you are in prison, your personal account will be deducted from the debtor's account.
2. Family members assist in repayment.
Even if the cardholder goes to jail, the bank will ask the cardholder's family to repay, which will completely affect the children's lives. The bank will deal with these bad debts first, and then keep them until the criminals come out to repay them. If the family can't afford it, the bank will package it to the asset company, and then the debt between the cardholder and the asset company will come.
The law will not offset the debtor's debt just because he is punished by the law, so I want to warn you here, don't be a debtor, whether it is a friend, a bank or some private lending companies, we all need to borrow and pay back, after all, we can help you tide over the difficulties when you are in trouble.
There are two kinds of imprisonment, one is a crime, and the other is refusing to commit a crime. Prison can't pay its debts. But the same case will only go to jail once. If they are all in jail, the credit information must have been hacked. Although you still owe money, you don't need to pay it back. I'm getting out of prison, and if I don't pay it back, I'll be sentenced to life. You're not gonna get shot. Lawyers usually tell you the law, not the facts.
People apply for a bank credit card before committing crimes. Because they are in prison, they have no stable income and can't repay on time. Banks generally classify them as non-performing lenders.
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The founder answered your question in actual combat _
Stay away from inhuman and unfair occupations. Avoid being devastated inside.
For overdue credit cards, don't interpret the law alone. No more than 50 thousand constitutes a credit card. But how to sentence according to the situation after forming a credit card. If it constitutes fictional facts and malicious possession, then credit card crime constitutes. After the composition, we will make a sentence according to the amount involved. The amount below 50,000 is only to reduce and exempt criminal offences. Never read the law blindly.
There are a large number of credit cards in China, and the use of credit card applicants and cardholders is incorrect. Most cardholders can't rationally spend or cash out for other purposes. I don't understand the responsibility of credit card default. Simply think that the credit card limit is an interest-free loan. I don't know that once the credit card is overdue, the highest annualized interest rate can reach 122.73%, and the lowest is not less than 33.34%. Overdue for more than three months involves credit cards. Credit card is a big harm pit of cheating. It is one of the three poisons in Taiwan Province Province.
1. The first is self-psychological reconstruction. What the debtor needs most is the courage to live a good life and a vision for a better future after going through overdue, collection and betrayal. Returning to family life, I feel that the world is still warm. This is the first step you should take. This step has been done, and I believe I can do anything. You can do it! Come on! Entrepreneurship and employment have risks, and risks and benefits are also proportional. We should make a reasonable assessment of our ability and ability to withstand pressure. The next step is the worst. Please look down _
2. The second is to understand the processing sequence. As for why it is in this order, in order to prevent shanzhai and piracy from using the founder's words to deceive the debtor again, I will not explain it. Credit card _ secured financial lending and non-governmental lending _ unsecured financial lending and non-governmental lending _ online lending, car loans, loans to relatives and friends. The handling of corporate loans and personal loans is slightly different. Repayment must confirm the real investor, real principal, residual principal and residual interest.
3. Know how to handle it.
For bank loans and credit cards, you can negotiate the second installment free of charge through customer service, bank staff or genuine debt sorting institutions. In particular, you should know the repayment order of credit cards. After the credit card is overdue, it will be repaid in the order of penalty, compound interest, handling fee, interest and principal within three months. After more than three months, the principal will be repaid first. And once the credit card is overdue, the annualized interest rate is as high as 122.73%. It is legal to deceive and harm others. And overdue for more than three months may involve criminal offences. This matter must be dealt with as soon as possible. Free installment repayment can be made through real debt consolidation negotiation.
For online loans and small loans, the vast majority are false investors and false platforms. Their means is nothing more than collecting. Please take a closer look at my answer to the collection question. You can return the money to the real investors through judicial procedures. No real investors will not repay. For specific operations, please consult genuine debt consolidation.
For regular loans, you can call the police. If the police ignore it, they can ask the anti-violence collection team for help.
_ Finally, remind the debtor. Don't be afraid of violent collection. Don't force repayment to any family. Be sure to pay back the legal loan. Only when you enter the repayment procedure for the second time after the deadline can you consider cleaning up the bad credit record. Come and see me then. If you can afford it, please start a business! Remember, a successful enterprise is not how much money you earn, but how many jobs you create.
If you think what I said is helpful to you, please pay attention to originality. Without the permission of the founder of the debt merger, it is strictly forbidden to extract and reprint!
Come out and return it. If the environment inside is ok and no one is there, take the regular loan, where it is safer.
My husband is in prison. What if he owes a credit card?
1. When the husband is in prison, the bank will try to recover the credit card debt. First, the bank will deduct the arrears from the debtor's bank account after confirming that the client is in prison. If there is no deposit in the bank, the bank will ask the cardholder's family to repay. If the family refuses to repay, the bank will decide how to repay. 2. It is suggested that the wife actively return it, because the overdue penalty and interest will be charged, and the penalty will be charged at 5% of the unpaid part of the minimum repayment amount, which will also seriously affect personal credit information. If the consequences of long-term arrears become more and more serious, it will even affect children's schooling. If the money owed by the credit card is used by both husband and wife, then the wife is obliged to repay it. If the wife is useless, it is not the same debt, and it is also recommended to help pay it back. Article 195 of the Criminal Law of People's Republic of China (PRC) shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using forged or altered letters of credit or accompanying documents and vouchers; (2) Using an invalid letter of credit; (3) defrauding a letter of credit; (4) conducting letter of credit activities in other ways.
What about people in prison who owe money on their credit cards?
If you are detained or imprisoned for a crime and your credit card cannot be repaid, you can entrust others to handle it on your behalf. The debtor's personal freedom is restricted because of suspected crime, and the credit card responsibility cannot be exempted. The bank has the right. It is suggested that the parties should actively communicate with the bank or contact their family and friends to handle it on their behalf, otherwise it may constitute a credit card. According to the first paragraph of Article 196 of the Criminal Law: "Whoever engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The second paragraph stipulates: "The malicious overdraft mentioned in the preceding paragraph refers to the behavior of the cardholder who overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and refuses to return it after being urged by the issuing bank. "
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
What about the prisoner's credit card after being sentenced? What should I do with the bill?
You can set up related repayment or ask your family and friends to help you repay. When you are in the detention center, you can authorize others to repay your credit card on your behalf.
Because all credit cards have a billing date, if overdue repayment will cause liquidated damages and late fees, it is best to communicate with the bank seriously and explain the situation, hoping that the bank will agree to stop paying the principal.
When communicating with the bank, you need to explain the sentences clearly. If so, banks can't wait for users all their lives. If it is short-term, you can negotiate with the bank, hoping to stop calculating credit card interest and give users a reasonable grace period to repay the principal in installments. This time is calculated from the time after you get out of prison, because there is no income at all in prison, let alone repayment.
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It is the most worry-free and labor-saving way to bind the bank savings card or salary card with the credit card, and automatically transfer the repayment every month, which effectively avoids the overdue due to time error and communication information change.
In addition to third-party platforms, mobile banking of various banks can also easily complete the repayment steps, and credit card repayment only needs to move your finger. Especially convenient.
If you have two credit cards, you can separate the billing date and use the card farthest from the billing date to enjoy a longer interest-free period. In addition, most credit cards have the function of modifying the bill date. It is recommended to find the bank customer service to find out the number of card modifications.