If you use a credit card, you must repay it on time. Generally, it can be repaid by transfer and ATM deposit. But some people will ask what happened to the credit card not paying back the money. Let's analyze it with you today and see what caused the failure of credit card repayment.
The credit card hasn't been put in yet What's with the money?
There are two main reasons why credit cards don't put money. One is that the amount of the repayment card is not enough, and the other is that the repayment method is wrong. For example, transfer repayment, the bank card used for repayment must have enough money, and if the money is not enough, it cannot be repaid. The specific repayment method should be determined according to the status of the card.
If the credit card is in a normal state, the above two repayment methods can be used. However, if the credit card is frozen or stopped, it cannot be repaid through AMT card insertion, but it can be repaid through transfer, online banking, Alipay, WeChat and other channels, or through others.
If the money is not deposited, the biggest reason may be that the credit card has been written off internally, but the credit card debt is still there, but the cardholder himself cannot repay it. He must bring his valid ID card and credit card to the counter of any branch of the issuing bank for repayment, so that the teller can remit the account or make cash repayment from the bank card.
The above is the introduction of "What happened to the money when the credit card didn't go in". In short, if you don't pay by credit card, you can refer to the above method. Don't think that you don't have to pay back the money if you don't pay it in. You know, the bank will not take the initiative to settle accounts for everyone. As long as you don't pay it back for one day, the debt will exist forever and the cardholder's credit will not be restored.
Why don't some people pay their credit cards?
It is not the final way of bank credit card, but one of the optional ways. If you pay for every bill, won't it become a bank credit card center? How many people does the bank want to be responsible for the loan?
After the credit card is overdue, the bank will first enter the overdue information of the borrower into the Credit Information Center of the People's Bank of China, which is already a very severe punishment. If the problem of arrears is not solved in the future, the bank will be selective according to the situation. So what types of credit cards are overdue and banks will not go?
1. Each bank has different standards for the amount owed, but it is basically not less than 50,000 in developed areas. In the general economic field, credit card arrears are generally not less than 30 thousand. In economically backward areas, credit card arrears are generally not less than 20 thousand. It requires a lot of manpower input and a certain cost, and the amount is so small that it is not a cost-effective choice for banks.
2. Customers with credit card arrears, who keep in touch and take the initiative to communicate, generally do not. As long as it is not the loss of customers, the bank credit card center can contact people by phone, willing to communicate verbally and actively discuss the plan, and the bank will not choose to go. Remember, keeping in touch doesn't mean you have the ability to repay. You can still negotiate with the credit card department slowly to negotiate the amount, method and time limit of repayment.
3. Although the arrears are overdue, there will still be a certain number of arrears users entering the credit card every month. This expresses a strong willingness to repay to the bank's credit card department, which will not look for such customers. For example, if you owe tens of thousands of dollars, but pay back the credit card100,200 yuan every month, if you can deduct a little money from the credit card every period, you will be recognized as a customer with repayment ability and intention in the system.
4. If the debt is overdue for a short time, no matter how much, it will not be paid back within 6 months after the credit card is overdue. Because bank credit cards have their own workflow, the first three months are generally collected by banks, and the last three months are generally collected by outsourcing companies. After that, we will depend on the situation.
In fact, this problem will be solved sooner or later when the arrears are logged into PBOC's credit information list. Otherwise, it will have a huge impact on credit card holders. Banks know this well, so to some extent, they won't spend too much money to recover their debts quickly.
Remember, keep in touch with the bank and negotiate with the real staff of the bank. Never communicate with so-called bank outsourcing collectors or people who call themselves bank lawyers. That's useless for reaching the plan, because those outsourcing personnel don't have the authority to sign the plan, and only charge the full amount in the name of the bank personnel. You must have the ability to distinguish this point, and don't be deceived by fake phone calls, fake text messages, fake photos and fake lawyer letters.
After the credit card is overdue, the monthly bill will be compounded. Mr. Dede calculated that the overdue interest is about 18%, and the liquidated damages are about 6% annualized, which adds up to almost 24% annualized. Therefore, if the arrears are overdue for a long time, you must negotiate with the bank to see if you can exempt some interest and liquidated damages. Be sure to talk about it, otherwise the cost is beyond most people's reach.
At present, there are professional organizations willing to help credit card debtors solve such problems. The best solution may be to pay only the principal. If necessary, you can talk to Mr. Sindh in private.
On the issue of credit cards, I see two phenomena:
1. 1, more and more people can't afford their credit cards.
This phenomenon is not an individual phenomenon, but a common phenomenon caused by the continuous economic downturn.
1.2, the unbearable consequences of credit cards have been aggravated and demonized, increasing the psychological burden of many bankrupts and increasing social panic? I know that in the past two years, the economy has fallen sharply and the social rate is very high. I think we should have a more positive attitude and a solution to the problem.
What should I do if I go bankrupt and can't pay my credit card?
Credit card is actually understood as a credit loan. What should I do if I can't afford the ordinary loan? Are you going to jail? The answer is no.
I can't afford the loan. What I want is to solve the problem through negotiation. For example, renew the loan or pay it back in installments? . It's really hard, the bank won't tolerate you for the time being! Can I drag you to be shot if you don't owe money? Speaking of low is an economic problem, not a criminal problem.
The best way to get through any financial crisis is to temporarily break the rigid payment-in layman's terms, if you can't afford it, you won't pay it for the time being. Don't rely on debt to support debt, because when the economic environment is bad, you don't have enough profitability to cover interest expenses.
On credit card crime. Everyone uses it normally, and the card that cannot be repaid because of life changes or business failure is not a crime.
What is the situation?
When the credit card was issued, it was empty the first time. If it is not returned, it belongs to. Summary is a new card. If it is maliciously brushed out, it will not be returned directly, and it belongs to. If your card has been used normally for several years, it doesn't count.
As long as it is not subjectively intentionally cashed out or not returned, it does not count in principle.
Belonging to the economic category, in principle, there is no need to have such a heavy psychological burden.
I often see the problem of non-repayment of credit cards. Many people are proud of their arrears and say, "Why should you pay back the money you borrowed based on your ability?" There are all kinds of tricks, how to cash out and how to maliciously overdraw. I am proud to say that I just don't pay it back. What can you do with me? Then many people attack the credit card as evil, but have you ever thought that the credit card itself is neutral, just like a knife, you can use it to hurt people and make food?
Therefore, I don't recognize the malicious arrears of credit cards, and I am proud of finding various ways to avoid repayment. I think it's natural to pay back debts. Although credit cards have interest, the interest rate is much lower, which provides us with liquidity support when we need it. Whether it is for business or emergency, how can it become evil?
Let's talk about the problem of non-return of credit cards first.
Every bank's credit card business is actually risk-controlled, not to say that cards are handled casually. Banks will issue cards according to users' qualifications, including auditing income, income stability, assets, etc., and give different quotas. Even if someone applies for a credit card in a bank, the amount is actually very low, and the starting amount may be several thousand yuan. Only long-term use and timely repayment will increase the quota.
Then this process is the process of collecting big data by banks. If you use it for three years in a row, and repay it on time every month, and it has never been overdue, it means that you are a reliable person, and the bank will continue to increase your quota. On the contrary, if you don't pay back the card as soon as it is issued, even if it takes advantage, the amount will not be too large.
It is inevitable that the credit card will be overdue, and even some people can't afford it from now on. For example, in business, the credit card limit is increasing, and then they suddenly use credit card overdraft to do business. As a result, business is very poor, bankruptcy, and there is definitely no money to pay back. In this case, the bank will negotiate with you. In view of your good reputation in the past, as long as you negotiate with the bank about the repayment plan, he will definitely not give you money.
For some overdue small credit cards, banks may not be able to contact people. If it is carried out, the human and financial resources consumed are not as good as none, and banks naturally do not choose. For this kind of overdue, the bank will hand it over to the collection team or outsource the collection, focusing on countless small overdue, improving efficiency and reducing costs, just like the collection of telecom calls owed when using landline in the past.
But don't think it's okay if you don't receive the money. If your credit card is overdue, it will be checked by the People's Bank of China at the meeting. If you haven't bought a house, mortgage to buy a house won't get a loan in the future. Maybe I don't want to pay back hundreds or thousands of dollars. At that time, I couldn't get the loan. I cried every day, shouting that it didn't work, and I cried myself.
However, for malicious overdraft, we should be especially careful. Judging from the characteristics of your industry, you owe money maliciously, and the amount is huge. Even if you can't contact, the bank will do it for you. If it constitutes a nature, it will not only be repaid, but also bear criminal responsibility. Therefore, a man should do his duty well, and shorts are as big as trousers. Don't think you are the cleverest. Banks are fools, and in the end you are only fooling yourself.
My card has been used for 10 years, and the overdue time is as long as 7 years, which can be summarized as follows. Why don't banks have overdue credit cards?
Tell me about my situation first! My credit card involves almost 10 banks, including the four major banks and commercial banks. Because the quotas of the four major banks are relatively low, they have been handled in the first two years, because the most is only over 4,000, and the least is only 1.500. Commercial banks have relatively high quotas, including China Everbright Bank, Guangzhou Bank, Minsheng Bank, China Merchants, Transportation, Guilin and so on. The amount added up to about 6.5438+0.5 million, all overdue. The longest is seven years, and the shortest is more than four years, because there is still some time left after the debt broke out.
So many banks are overdue for so many years, and a Guangzhou bank dragged me away. My reason is simple, because the interest rate of the bank has risen in a short time, and there is no way to go up any more. I negotiated with him to repay the loan halfway. His attitude was very bad, and he often made me quarrel with him, which led him to give up me, but it lasted for 4 years.
Although they did it, they didn't achieve what they wanted. It is fair that the liquidated damages and high interest they applied for were not awarded. Additional liquidated damages will not be supported. In the end, they only got the principal, and I didn't even give him the interest, so the credit card was cancelled.
Under normal circumstances, the bank will not go alone easily because it has its own cost budget. Let me sum up who is more vulnerable.
1. When a customer wants to go to him, the bank collection department will take some measures after a period of collection, but repeated collection has no expected effect, or the other party has been in an indifferent state, but knows that the other party has a fixed job, a fixed income, or the other party has property to execute, including the following situations.
(1), the cardholder has a fixed job.
2. Cardholders have a fixed social security payment and provident fund every month.
③ The monthly salary of the cardholder has a fixed tax record.
④ The cardholder's other banks have large deposits or insurance policies, including wealth management products.
⑤ If the cardholder has fixed property, the car is produced in the name of an individual.
These people will be targeted by the bank, because the bank is a person and he has been carefully checked. If the other party has no property and no repayment ability, even if it succeeds in winning the case, it is meaningless to the bank. Even if the other party is included in the untrustworthy list, it doesn't make sense, because the bank's customers are not dozens, but a large number, basically.
2. People with a large amount, that is to say, people with a single credit card limit of more than 50,000 yuan, have neither answered the phone nor any intention to repay after the deadline, and are generally characterized as credit card crimes and should bear legal responsibility. Banks usually tell cardholders about this strong relationship after long-term collection.
3. Debugging the bank crowd, that is to say, after all the credit cards are swiped, and then overdue, they pay back a few twenty or thirty dollars a month in a teasing way to provoke the rights of banks. This kind of people will be regarded as the chief personnel of the bank, because the bank will think that it has the ability to repay, but it has not repaid, and this kind of people is the most vulnerable.
Then why are some people overdue?
(1), the overdue time is too short. For the bank, it still has the ability to recover, and it has not reached the necessary stage.
(2) The quantity is too small, which requires manpower and material resources. Even if it is successful, it may not be possible to get money after implementation, because such a small amount of money is not enough, and it is definitely no money. If the other party doesn't repay himself, he still has to pay in advance, lawyer's fees, execution fees and so on.
(3) It is not the only way for banks, because you can't get a lot of corresponding fees afterwards, but you can only get legal interest, which is high in cost and low in return. Its cost is low, and the more money it gets, the higher the interest in the process. As long as you pay a little every month, it will be regarded as interest, and the bank is also making a profit.
Therefore, owing a credit card doesn't mean you haven't paid it back, just not to a certain extent, and others haven't investigated your property. Once you find that you have property, others will come to you, so it is best to negotiate with the bank and try to repay it before being repaid.
This question is a bit interesting.
This is like asking why some people can eat ten steamed buns at a time, why some people can drink three bottles of 53-degree liquor without getting drunk, and why some people can become billionaires.
First of all, whether the credit card has been used is a matter for the bank. There are so many credit cards issued by banks, and a large part of them are not returned. But there are many reasons for not paying back, and banks are also selective. If you don't return every credit card, the bank doesn't have to do anything. It goes to court every day. Although the proportion of credit cards is still very low, because of the large circulation, there are quite a few users who do not return credit cards, so that banks will not let go of every user who does not return credit cards.
Some credit cards are temporarily suspended because of their good credit in the early stage, so the bank will definitely not pay them back immediately. We must observe.
Some credit cards are not paid back because of difficulties, but they are not interrupted. That is, they should have paid back 20,000 yuan a month, but they don't have that much money. They can only pay back 2,000 yuan a month and keep the repayment record. Neither will these banks.
There are also some credit cards that are not returned, which are not representative, the amount is not large, and the time is not long. The bank thinks it will pay back later, so it won't.
Including some credit cards, because the time is relatively short, the bank has patience and sends a notice to let customers repay until the bank can't stand it.
Of course, bank credit card users are also very cautious. Most of them will be reminded before. After all, every credit card is sent out, and banks expect to make good use of it and make good profits for them. Credit card users can't, try not to, maybe the customer has money that day, pays it back, and then collects the interest and principal together. Customers will also become long-term users of credit cards.
Some credit cards are not returned, and sometimes customers forget to return them because the figures are not large. Then, when the bank sorted out the credit card situation at a certain stage, it found that it had been in arrears for a long time, so it was easy.
Because the credit card is not returned, most users are users who owe money for a long time and the bank urges them to return it. On the one hand, banks are reminders, on the other hand, they also serve as an example. This part is a bit like bad debts. The bank also dates in the yard, one thick and one not thick.
In short, the sooner you pay back the credit card debt, the better. Some people think that the card has not been stolen for a special reason. You can't think that you don't have to pay it back just because others have had this experience. In the end, you will pay it back. If you don't want to pay back the money, it will affect your financial credit.
The principle of legal proceedings in China follows: whoever files a lawsuit will give evidence. It depends on how the bank goes, whether it is civil or criminal (credit card crime has two charges, 1 credit card crime 2 malicious overdraft), and the bank also has to prove it. But the reason of the bank is nothing more than asking you to pay back the money.
There is a legal loophole in credit card litigation, that is, many people owe money on their credit cards. Obviously, their cards have expired for a long time. Why didn't they? That's the date of use. From the perspective of the use of credit cards, if the credit card does not expire, the litigation power of financial institutions is very small, because the debtor can ask for mediation on the grounds that the use agreement between the two parties has not expired, without much interference.
In short, you can't escape what you owe the bank. No, no, you didn't.
So what will the bank do in this case? 1; According to the cardholder's money and the cardholder's overdue time, this is only a preliminary judgment. 2. According to the cardholder's attitude after the overdue period, whether there has been or has not been repayment after the overdue period, whether there is any deliberate evasion of collection and failure to answer the phone, and whether there is evidence of deliberate non-repayment to let the creditor institutions know. 3. Whether the use period of the credit card has expired should be informed by the cardholder for further negotiation. Because the bank is a big institution, cardholders have to provide a lot of evidence, wasting manpower and material resources, not because you can do it alone, but in batches.
Hello everyone! I am a "borrowing skill". As a bank employee and the author of "Playing with Credit Cards: That's How the Card God is Made", I mainly answer questions about bank credit cards, loans, deposits, insurance and financial management.
First of all, there are three points to be clear: 1. Not all cardholders whose credit cards are overdue will be punished by the bank; 2. Bank card holders have boundaries; 3. Avoid being fooled by the bank. Now, let's come to Xiangxi to answer:
First, banks have a set of rules for asking for credit card arrears.
Due to cost considerations, banks do not always use judicial reminders for credit card holders who are overdue. Generally speaking, for overdue credit card holders, banks usually call the staff first to remind them of their accounts; After no effect, selectively ask for it; After the door-to-door dunning failed to achieve the expected purpose, I went to find some cardholders who owed a large amount.
Second, which cardholders will
What kind of cardholders a bank will have depends on the amount of overdue debt, the overdue time and the cardholder's behavior.
First, if the overdue amount is large (such as more than 6,543,800 yuan), the cardholder will be punished; Second, cardholders with a small overdue amount but a long overdue time (such as more than 180 days); Third, the cardholder who does not cooperate with the bank's work, for example, the bank hangs him up, and he either does not answer the phone or has an extremely unfriendly attitude.
Third, the way to avoid becoming a bank.
First, after the credit card is overdue, you should take the initiative to go to the bank or call the bank's credit card customer service to explain the situation and let the bank staff know about your situation. Second, for those who are overdue for a long time, they should pay hundreds of thousands every month as much as possible to show their willingness to repay. Third, when the bank's demand is very tight, take the initiative to negotiate the repayment plan with the bank and find ways to repay the "sincerity fund" (that is, the minimum repayment amount that needs to be paid first in installment repayment), so that the bank feels that the demand is hopeless.
Friendly reminder: at present, the people stipulate that credit card holders should be investigated for criminal responsibility only if their overdue principal reaches more than 50 thousand.
Finally, please be happy with your card and your economic life will be better!
To tell the truth, banks don't want those who don't pay their debts. This is only a last resort. To put it bluntly, it is a means, not an end.
Nowadays, it is very common for young people to use credit cards, but many young people have limited income, so sometimes credit cards are unable to repay after overdraft, and they are overdue.
For the case that the credit card is not returned, the bank will definitely collect it. However, different users may encounter different collection methods after their credit card arrears. For example, some people may only receive SMS notifications and phone calls from banks, while others may be called by banks.
Seeing this, it is estimated that many people are quite puzzled. They still owe money to the bank credit card. Why do some people get caught when they owe money, while others are fine?
To answer this question, we need to understand the basic idea of bank collection.
For banks, there are many credit card users, such as six state-owned banks and 12 joint-stock banks, with tens of millions or even hundreds of millions of users. Such a huge user group, even if only 1% is overdue, there are nearly 1 million.
Faced with such a huge user group, if every user arrives after the deadline, the bank will certainly be overwhelmed. On the one hand, banks don't have that much energy.
On the other hand, banks don't have that much money. After all, users are not casual, but they have to pay legal fees and legal fees. If the bank refuses to pay back the user's money, the bank will have to pay this part of the cost itself, which has potential risks for the bank.
After all, according to China's current laws and regulations, only users who maliciously overdraw their credit cards with an overdraft amount of more than 50,000 yuan may face criminal responsibility. This means that if the malicious overdraft balance of their credit card is less than 50,000 yuan, even if the bank accepts the user, the user will not face the risk of going to jail, and will be included in the list of untrustworthy people at most.
Because of this, not all users are overdue, and banks will accept them. Under normal circumstances, the bank will not accept those users whose overdue time is short or whose overdue amount is small.
In the process of credit card collection, banks generally follow the following procedures.
1. If the user's credit card is overdue for less than one month, the bank mainly reminds the user to pay back the money in time through SMS notification and system notification.
2. If the user's credit card is overdue between one month and three months, the bank will cooperate with SMS notification and telephone collection. If the overdue amount of the user is relatively large, the bank may also have special staff to collect it at home.
3. The overdue credit card of users is between three months and six months, which is quite serious for banks. At this time, in addition to the daily collection methods, banks may also entrust third-party collection companies to collect money, and these third-party collection companies may use various means in the collection process.
4. The user's credit card is overdue for more than 6 months, depending on the amount. Banks with different amounts of arrears take different measures.
If the overdue amount of the user is relatively small, such as less than 1000 yuan, then the bank will admit that it is unlucky, and then include the user's money in bad debts. If this bad debt exceeds one year, the bank can only write it off as a loss, but after the write-off, the user's arrears record still exists, and the bank may continue to collect users for a long time to come.
If the overdue amount of the user is relatively large, for example, the overdue amount exceeds 6.5438+0 million yuan, then it is possible for the bank to collect the user. However, after the modification of the malicious overdraft limit of credit cards in China, many banks may overdue users by more than 50,000 yuan.
With people's advanced consumption concept getting stronger and stronger, more and more people use credit; At the same time, banks have seen the huge interest temptation in the credit card market, and the threshold for issuing and reviewing credit cards is getting lower and lower, which leads to many people who still don't understand the nature of credit cards using them indiscriminately and can't correctly assess the risks. Finally, more and more people default on their credit cards.
At present, credit cards have accounted for a large proportion of the non-performing assets formed by banks. There are many reasons why people who don't return their credit cards don't take them.
0 1
The first way for banks to treat people who don't repay their credit cards is to settle them through consultation.
The debt formed by credit belongs to civil affairs, and for civil affairs, it is one of the best ways to solve it through independent consultation.
Therefore, when the user's credit card defaults, the bank will first communicate with the phone for collection. This procedure is usually performed by customer service personnel.
Through negotiation, an agreement can be reached soon. Whether it is interest reduction or installment payment, as long as it is accepted by both parties in the end, it will soon enter the performance procedure, which can easily solve the trouble.
02
If negotiation fails, most banks will choose to issue dunning letters for collection.
Credit card users are slow to fulfill their repayment obligations, and bank customer service collection is useless. Generally, the borrower information with such problems will be reported to the non-performing assets disposal department, and some banks will be handled by the legal compliance department.
These professionals engaged in legal services will make professional dunning letters. Of course, some banks will entrust lawyers to make lawyers' dunning letters, which are similar in nature.
A dunning letter will generally be sent to the contact address filled in when handling the card to prove that the cardholder can indeed receive the dunning notice.
03
After the above two procedures, the bank may not be sure.
It is useless to take the above measures. The bank's non-performing assets disposal department will generally compile a form to sort out the credit card information that has problems in the past six months or a year. For banks, credit card default is just a small loan default, and loans from large enterprises are billions of defaults.
For a small number of credit card defaults, after a batch of account books, we will carefully evaluate whether it is worthwhile to recover the arrears through litigation. Generally, the smaller amount will not be carried out, which will eventually be enough to urge the charges.
Therefore, a batch of bills will be screened out, and some worthless or difficult to get back will be directly packaged and sold to third-party debt collection companies for processing.
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That's why many people think it's strange that credit cards are not available for half a year or even a year. This is all because banks are using other means to deal with it. When all these methods are useless, banks usually take litigation to recover valuable customers.
So if the credit card is not returned, it is not a lawsuit. It's just not the time yet. This debt cannot be evaded, and it will seriously affect personal credit information. For the current credit union, the adverse consequences will be more serious, and it is likely that it will be difficult to move in the future.
Are there many people with overdue credit cards? After the expiration, their intestines are all regretful.
With the increasing popularity of credit cards, more and more people have the habit of spending by credit card. Among these people, some people have swiped their credit cards and don't want to repay them, so I want to know if there are many people who fail to repay their credit cards within the time limit. If you have more, you don't have to return it yourself. Below, let's introduce the relevant situation for everyone.
There are still quite a few people whose credit cards are overdue.
According to the data released by the Central Bank's "Overall Situation of Payment System in the Third Quarter of 20 18", the total outstanding credit of credit cards overdue for half a year was as high as 1 billion yuan, a month-on-month increase, while in 20 10, this data was only 1 billion yuan. In the past eight years, it has increased by more than 1 1 times, especially showing a large number of overdue people and a large amount.
Some people may say that since there are so many overdue people, I simply won't return them. Anyway, one more is not too much. If you have this idea, or have planned to put it into practice, you'd better look at the consequences of overdue credit cards before making a decision.
The consequences of overdue credit card repayment are as follows:
1, credit stain
After the credit card is overdue, the bank will report the overdue behavior of the cardholder to the central bank for credit investigation, resulting in a bad credit record. With credit stain, it will affect the handling of credit cards and loans in the future.
2. Being collected by the bank
After the credit card is overdue, the bank will collect it by SMS, telephone, etc., or even