First, understand the cost composition of the overdue credit card. You can calculate it first. How much will be generated after the credit card is overdue? The first is interest. Generally speaking, the interest is 5/ 10000. There are also liquidated damages. The bank's penalty setting is generally between 3.5 and 7 points. Take 100000 as an example. If you pay 65,438+000,000 in full, the interest for the first month is 65,438+000,000 x 0.0005x30 = 65,438+0500, which is your interest for one month. Then we will calculate the liquidated damages according to five points, that is 100000 x 0.05 = 5000, that is, you. After the deadline, the monthly fine is heavy, and the monthly settlement snowballs. In terms of interest, you can't repay the principal and interest without paying interest. In addition, when you apply for a credit card, you have already signed a contract. Overdue repayment belongs to your unilateral breach of contract. So, from a legal point of view, you are also unreasonable.
Second, if you feel overdue, you can only repay the principal if the bank feels that you are really unable to repay it. It is out of the question. First of all, you have to bear the harassment of bank collection, second, you have to bear the stain of credit investigation, and finally, even if you can bear the above two points, you can't bear the court's responsibility. It is clearly stipulated in the new credit card regulations that if the overdue amount exceeds 50 thousand yuan, it may bear criminal responsibility and may be defined as credit card fraud. Then the more you delay, the more you punish, and finally even more than the principal.
Third, if you accidentally overdue your credit card, don't delay it. You should deal with it as soon as possible, or things will get more and more troublesome. If the bank really sues you, you won't even have a chance to negotiate. When you are overdue for some reason, you must find a way to negotiate with the bank on how to repay. If the negotiation fails, you can contact relevant lawyers for help, make a good debt plan, repay the loan by stages, stop penalties such as high penalty interest and liquidated damages, and avoid collection harassment.