Credit card (debit card) not only helps people to overdraw their consumption in advance, but also makes many small partners develop the bad habit of irrational consumption, because they often overdraw their consumption beyond their repayment ability, which leads to overdue repayment. According to "Overview of Payment System Operation in the Fourth Quarter of 20 18", the overdue half-year amount of credit cards (debit cards) in China reached 75.667 billion yuan, showing how many small partners could not repay on time. Do you know what bad debts of credit cards (debit cards) are caused by failure to repay on time? It affects more than just mortgages!

Bad credit card (debit card)

Bad credit card (debit card) is the final result of long-term overdue repayment of credit card (debit card). Generally, when our credit card (debit card) is overdue for not less than 18 1 day, and after repeated collection by the bank, a bad credit card (debit card) will be formed. In addition to the long-term failure of credit card (debit card) to repay on time, there are also bad debts of premiums caused by the cardholder's repayment amount exceeding the credit card (debit card). Compared with overdue bad debts, the impact of premium bad debts will be much smaller or even negligible, because as long as the cardholder takes out the money in the credit card (debit card), the impact of overdue bad debts on everyone can not be underestimated!

Bad debt influence

Because of the long-term overdue behavior, there will definitely be stains on the credit information. After bad debts are formed, they will automatically enter the credit blacklist. In this case, if you want to apply for a bank mortgage, the pass rate is almost zero. In addition to rejecting our mortgage application, it will have the following effects:

1. has bad debts. Basically, the bank loan business is out of touch with everyone, and both credit cards (debit cards) and other loan applications will be rejected.

According to the amount of bad debts, the bank will decide whether to take legal action against the cardholder. Once it is resolved through judicial channels, the cardholder must repay, otherwise the court will enforce it and enter the credit list.

If our credit card (debit card) bad debts are not handled, then we will never get rid of the credit blacklist, and anything that requires personal credit will be beyond our power. The only way to get rid of the credit blacklist is to pay off the arrears. Therefore, everyone must maintain good consumption repayment habits in peacetime.