Consequences of non-payment of credit card (dunning step):
1. The issuing bank will collect credit card loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the issuing bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the bank deposit of the credit user and sealing up the pledged property. ?
2. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses.
Specifically, it includes: default of principal, default of interest, overdue interest, default interest, all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. ?
3. Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and credit card overdrafts in the name of individuals will also be recorded as overdue loans in the national personal credit information system. ?
4. If you are not maliciously defaulting on the bank loan and are able to pay the interest on the normal credit card overdraft, it is recommended to apply to the credit card center for suspension of repayment first, stating the willingness to repay, the fact that you have not paid the credit card debt for the time being and the plan for repayment in the future. Normally, the bank will give you a grace period.
Extended data:
Failure to pay back the money will lead to the consequences of breaking the promise being executed.
1, the release of "Lao Lai blockbuster" increased exposure.
LED large-screen exposure, network exposure, public transport media exposure, and even cinema circulation.
2. Customize Lao Lai's exclusive CRBT.
In order to jointly punish Lao Lai, Luoyang, Enshi, Wuhu and other courts reached an agreement with local communication operators to formulate Lao Lai's exclusive color ring back tones. When the mobile phone calls, the other party will hear the "special reminder from Lao Lai" and will urge the caller to fulfill the repayment obligation as soon as possible.
3. The whole network inquired about assets, and the balance of Alipay was frozen.
The people's court has the right to inquire about your personal assets. The court in Huangdao, Kunming, conducted a network-wide asset inquiry on a dishonest person, and found that there were more than RMB 65,438+10,000 in the Alipay account with real name authentication. Immediately, the court handed over the Financial Statement of Assistance in Freezing to Alipay headquarters and obtained cooperation, and successfully frozen its assets in Alipay.
4. WeChat reward announcement
Guangzhou Intermediate People's Court uses new media means such as WeChat platform to release the information of "Lao Lai", which helps to further solve the "implementation difficulty". Last year, 38 bonuses were awarded, involving an amount of 247 million yuan. Recently, WeChat friends circle advertisements have also exposed "Lao Lai", using big data to accurately deliver, so that Lao Lai has nowhere to escape.
Xinhuanet-A man who maliciously overdraws his credit card for more than 250,000 yuan overdue does not constitute fraud and fixed-term imprisonment.