There are four reasons: first, banks will target customers who don't pay back the money; The second reason is that the user who can't afford it actively contacts the bank, and the bank chooses to believe that he will pay back the money in the future; The third reason is that it is overdue every month, but it is returned every month; The fourth reason is that credit card holders are overdue for no more than three months.

0 1. The first reason is that banks will target customers who don't pay back.

With the development of society, ten people and nine people have credit cards in their hands. The reason is very simple. Many young people flock to it because of the high credit card quota and early consumption. You know, the overdraft function of credit cards makes it easier for you to buy what you want. However, many people are used to spending in advance with credit cards, which will exceed their consumption level from time to time. When they see the bill, they can't fill in all the wages.

At this time, there are often small partners who perform immortal operations, choose to return them later, and start to feel uneasy. But after the deadline, they found that the bank didn't chase them, so they thought it didn't matter if the credit card wasn't returned, and they slowly forgot about it. But in a short time, it's not that banks don't chase your money. Banks issue too many credit cards. If more than one person doesn't pay back the money, the bank will give priority to the large amount. Banks really have no choice.

After all, everyone should understand the truth. If all banks go after it, it will cost a lot of manpower, material resources and financial resources. In short, it is impossible for banks to be busy with lawsuits and not doing business every day, which is simply unrealistic and impossible. Therefore, banks can only be customers who never pay back the money, deal with whoever they draw, and then slowly clean up others.

Netizen A: It means that the credit card will not be returned, as long as it is not targeted by the bank, nothing will happen. move under water ......

Bank: If you don't pay it back sooner or later, I'll dare to put you on the blacklist. ......

Netizen B: Heaven has a good cycle, and Heaven forgives people. It's not that you don't report it, it's not the right time.

The second reason is that the user who can't afford it actively contacts the bank, and the bank chooses to believe that he will pay back the money in the future.

Others know that they have maxed out their credit cards and can't even pay the minimum repayment. At this point, the credit card overdue person voluntarily chooses to "surrender", actively explains his financial situation to the bank, and at the same time makes the bank believe that the credit card overdue person will pay back the money. In this case, it is impossible for banks to do so. As long as the overdue payer of credit card actively communicates with the bank and gives the bank sufficient protection (repayment plan agreed by both parties), the bank will still maintain good relations with the overdue payer.

Credit card overdue payer: "boss, can you give me some time?" I will work hard to pay back the money. Don't send me to the blacklist of credit information, and ensure that the boss is on standby at any time, without losing contact and not crying ... "

Big Brother (bank) thinks: "I can understand your short-term difficulties, but we still need to communicate how to pay back the money and make a plan, so that it won't ....."

Late payer of credit card: "Thank you for giving me the opportunity ..."

The third reason is that it is overdue every month, but it is paid back every month.

The third situation is that the credit card holder is overdue every month, but pays back the money every month. This operation sent a message to the bank: "Although credit card holders can't afford that much money for the time being, they have a strong willingness to repay." In this case, the bank will not choose to go.

The fourth reason is that credit card holders are overdue for no more than three months.

In the last case, the credit card is overdue and not returned to the bank, because the credit card holder is overdue for no more than three months. The general workflow of banks is to collect money first to see if credit card holders will take the initiative to repay. If the collection is not returned within three months, the bank will decide whether to hold a credit card.

Credit information is so important to individuals, why do some people owe hundreds of thousands of credit cards?

Personal credit investigation is very important. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".

Personal credit report plays an important role in many fields, such as mortgage, credit card, private lending, job hunting, renting and so on. Personal credit report is a paper report that directly reflects personal credit.

First of all, we should buy a house, a car and a credit card. You need to check your personal credit report. If your personal credit report has a bad record, banks or other lending institutions will not lend;

Secondly, people with good credit are more likely to apply for loans, and the amount of loans they apply for is often higher;

Finally, people who reflect bad personal credit records through personal credit records may also affect their job hunting in the future. Because of your poor personal credit, you are a person without credit. Personal credit is very important in this society. For people with bad credit records, employers often consider it when recruiting.

If there are bad records on personal credit records, especially those on the "blacklist" of banks, it is more difficult to get loans.

What benefits does credit reporting have for us personally? As the saying goes, existence is right. So what is the significance of the credit information system that the country has vigorously established in recent years for us personally? To sum up, there are mainly the following points:

1, convenient for borrowing.

As the saying goes, "it is not difficult to borrow again if you borrow and pay back." If your credit report reflects that you are a person who pays back the loan on time and earnestly fulfills the contract, the bank will definitely like you, not only providing credit services such as loans and credit cards, but also giving preferential treatment in terms of quota and interest rate.

2. Fair credit.

Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, "let the facts speak for themselves", which reduces the influence of the subjective feelings and personal emotions of loan officers on the results of your loan and credit card application, and allows you to obtain more fair credit opportunities.

3. Save time.

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form.

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., and may even outsource it to a third party for home collection. Until you pay off your debts, you can live a quiet life.

3. Take legal measures.

If the credit card is overdue, the bank may make it. If it is due to credit card arrears, it is generally civil. If it is a malicious overdraft, it can be treated as a criminal case.

Generally speaking, there are many people whose credit cards are overdue, but they will all encounter the above consequences.

There are several people in my village who brush their credit cards for hundreds of thousands and don't pay them back. Why do they have nothing to do?

It doesn't have to be like this. There are two situations.

First, he swiped his credit card, maliciously overdrawn it, and failed to pay it back within the time limit. This situation will certainly not be as good as you say.

Second, if he owes more than100000 on his credit card, but he is still processing the bill every month, then this is still a normal repayment. Nothing will happen in the short term.

Whether you are talking about the first case or the second case depends on the details.

Let me tell you how much trouble an uncle's overdue credit card has brought to his later life!

Uncle has business partners and good friends! It's not easy to talk about him. His parents divorced when he was a child, and then they parted ways. They never took care of him again. Grandparents brought him up. At the age of fifteen, he went to sociology as a chef, learned to be the younger brother of sauna, and learned to be a salesman driving a big truck. At the age of eighteen, he came to Sihui with his uncle to make jade. Life gradually stabilized, married a daughter-in-law and gave birth to two precious daughters!

About 20 12, my brothers made a big stone, and one of them put a lot of money in it, but he couldn't take it out in a short time. Everyone is so worried. Coupled with his own factors, he was forced to leave everything here and run to Yunnan with his daughter-in-law and a pile of stones!

I've just arrived in Yunnan after a long journey, and I'm a stranger. My daughter-in-law is sickly and poor after giving birth to her little daughter!

Then the jade market in Yunnan 13 came up! He has dealt with more than 200 thousand stones (still losing money), and his life is slowly stable again!

At this time, his father, whom he had not seen for many years, came over and told all kinds of hardships. Then he took hundreds of thousands of stones from him (half of them belonged to friends here at Sihui) and said that he would help him sell them and earn some difference! And took his credit card! I haven't heard from you since!

He paid off his debt for another year (shares of friends of Shi Mo Sihui), and then went to buy a plane ticket when he returned to Sihui on 15. I was told that the credit card owed more than 70,000 yuan, which was overdue for more than two years (the credit card was bound to the mobile phone card of Sihui at that time, so I never knew it). He was put on the list of broken promises and was forced to repay the sum. He took the train back to Sihui when he was married and had children. He was prepared to buy a house with insufficient down payment and start over.

During the period, because the house price doubled, I struggled for nearly three years and finally saved enough down payment to buy a house and settle down. I checked my credit card when I signed the contract, and it was more than 25 thousand! I was worried when I paid it off. I thought the card had been scrapped and had not been cancelled. And his dad brushed it. ) No way out, the couple went to divorce and buy a house! How many storms, family conflicts and all kinds of quarrels have happened during this period! His daughter-in-law refused to pay back the credit card with the money earned by the husband and wife!

I cried several times when I was drunk at night, so I kept him on the stall!

Then I have to travel frequently, such as Ruili, Yingjiang, Yunnan, and I can't drive with him every time! Too long and too tired! So sometimes when we go by plane, he can only take the train for more than 30 hours! And he can't go to the public table at all!

There are many forests anyway! Life is inconvenient because of credit card, family conflicts!

Hour light reminder: credit information is very important! Just like a person's integrity in doing business!

I can only say that they are lucky and have to measure their ability to repay money before swiping their credit cards. If they don't have the ability to pay back the money, I advise you to swipe your credit card less, because swiping your credit card will make you feel that someone is paying the bill, and you don't really have the real money yourself, so there is no heartache of spending money. When it comes to repayment, you have a big head.

So I can only say, brush less credit cards, control consumption habits, and don't be extravagant. As for how many people in the village don't pay back hundreds of thousands, you can only say it is not clear. As long as it is a regular credit card, you must return it, otherwise you may be punished. Don't think about using other people's money not to pay it back. There is no such thing!

It may be comfortable now, but the future will be painful.

If God wants it to perish, he must first make it crazy. Now this society encourages consumption and debt. Various campus loans for college students. Perhaps many people have seen or heard that someone owes a lot of money to the bank. Why not go to jail? Such an abnormal fact cannot be justified. Instead of being punished, the wicked jumped out to show off the so-called "out of thin air" and were proud of not paying their debts. What's wrong!

There are two main reasons for this phenomenon:

First, it is difficult to enforce the law, and it takes cost and time to implement judicial procedures.

Credit cards that are overdue by hundreds of thousands (let's just say they are all credit cards) are generally multi-card arrears. After all, there are few local tyrants with hundreds of thousands of cards. This leads to a problem. Hundreds of thousands seem like a lot, but there are not many banks to share. For example, Xiao Zhang owed the bank 300,000 credit cards and didn't pay them back. Xiao Zhang has 8 cards with different amounts. The average card is 37,500, less than 40,000. Suppose he is 4 1000. According to the criminal law and the judicial interpretation of the Supreme Law, if it is overdue for three months in a row, it can constitute the crime of credit card fraud, and the amount of 40 thousand belongs to.

Ideally, Xiao Zhang should go in and squat, but the actual situation is not that simple.

Difficulty 1, no one can be found! These lazy people also know how many ways to collect money. When the bank handles the card, it cannot guide the customer's address book because it is legal and compliant. When it processes the card, it will leave two phone numbers. If they are determined to make a hole in the bank and be lazy, these people will have no black debts, no list of broken promises and no face of friends. As soon as the calling card is changed, it is clear to all concerned that the bank can only be silent until three months later, which can only be classified as bad debts.

Maybe everyone will ask, then why not call the police? Are police vegetarians? In fact, banks are more anxious than anyone else, but banks should also consider cost and feasibility. If it is overdue for three months, the legal department of the bank will entrust a lawyer to report the case, file a case and subpoena it, which will take time. We should also consider the cost-effectiveness ratio of the money recovered and the money spent, and we should also queue up (after all, the situation is more serious than that of Xiao Zhang or there are more people coming first). At the same time, the cross-regional law enforcement linkage mechanism is not so clearly established (although it has been improved a lot now), especially this kind of finance. The concealment is relatively large, and the division of responsibilities is difficult to be clear. For example, a small card in Guangzhou fled back to the mountains of his hometown in Guizhou, and the police of both sides cooperated. It's not clear yet. Therefore, the attitude of the bank is to communicate as much as possible online and not to go to court as much as possible.

Second, the source of overdue funds.

Some people say that they owe hundreds of thousands to the bank, but they don't necessarily owe it to the bank. Maybe he doesn't even know who he owes. Some online loans are funded by p2p, not banks at all. These loans have high interest rates and various fees, which have not entered the credit reporting agency. A signed contract is essentially useless. Once it is overdue, it is at most madly collected by the collection agency outside. As for filing a case with the police and sending someone to arrest it, it is even more untenable, which greatly encourages the arrogance of these lazy people.

So, is there no rule of law?

I saw many young people at the age of 27.28 who used the money from online loans and credit cards to speculate on various foreign exchange and coins, and finally lost a lot. The phone also called me. I found that they all have one characteristic:

Overestimate your abilities and underestimate your desires.

Even if the pace of legal punishment is slow, it will come after all! Even with a few exceptions, justice is not there, so what? As long as you live, you can't escape, and punishment will take another and more painful form. For the rest of my life, I will avoid these hundreds of thousands of people all my life and live like a mouse, so my family will be humiliated. I can pretend that I don't care, and my relatives will always be worried. The education of my children will always be necessary. One day, the children asked my father why you can't use my card to help me pay my tuition. You can't say that you are old and lazy. Then the child asks what is old laziness, and then you can Baidu it. It is difficult to make money at once, but it is not difficult to have a better and responsible attitude, is it? If I still brag shamelessly to this extent, then I can only pray that someone will kill the people!

What's with the money before the credit card is put in?

1. If you don't pay it back temporarily, you can pay it off later, and only interest and late fees will be generated.

2. However, if the principal overdraft exceeds 1 10,000 yuan, and the repayment is still not made after being collected by the bank, criminal punishment may be imposed. The legal basis is as follows:

According to the Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (Fa Shi [2009]19):

Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

2. Article 196 of the Criminal Law Whoever engages in credit card activities in any of the following circumstances, if the amount is relatively large, 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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

This is the end of the introduction about why some people don't return their credit cards and why some people don't return their credit cards. I wonder if you have found the information you need?