First, how to deal with credit loans?

How to deal with outstanding credit loans;

1. If the credit loans overdue has not been repaid, it is necessary to communicate with the loan platform in time to inform it that it is temporarily unable to repay, and see if it is possible to apply for the minimum repayment amount or postpone repayment. If they can't apply, the borrower can only find ways to raise funds and return them as soon as possible.

Second, take the initiative to confess to your family, ask for help from your family, and find ways to raise money for repayment. Although you may be complained by your family, it is worthwhile to avoid being complained by loans overdue.

3. Mortgaging or selling assets under personal name to repay credit loans. Credit loans overdue will directly affect users' personal credit information. Once the personal credit information is affected, it will be restricted to apply for a loan in the bank in the future. And overdue will be fancy collection by the loan platform, which will have a serious impact on the daily life of users. Therefore, after handling the credit loan, you must repay it on time. If it is overdue, we must face it positively and find ways to get rid of it as soon as possible.

2. What should I do if my credit card is sued for overdue?

1. If the cardholder is sued for overdue credit card, the overdue degree is serious. At this point, the cardholder had better negotiate with the bank immediately.

2. The purpose of bank prosecution is to recover the arrears, so if the cardholder can repay in time, the bank will generally withdraw the lawsuit. If you do encounter actual economic difficulties, you can also try to negotiate with the bank to repay by installments.

3. Don't wait for the bank to call, but take the initiative to call the bank to communicate, show a sincere attitude, explain that you are not intentionally overdue, clarify your financial situation, liabilities and income, and express your willingness to repay. If the cardholder can pay off the debt in one lump sum, it is best, but if it cannot be paid off in one lump sum, it is necessary to negotiate with the bank as soon as possible and wait for the approval of the bank. If the bank doesn't accept negotiation, it can try several times.

Credit card consumption is very common in China, because credit cards have the function of overdraft, but when using credit cards, we need to consider our financial ability at the same time, because if we don't repay the loan for a long time, we will face a series of legal consequences, such as being blacklisted, which is very serious.