live first,
the problems you may face in credit card.
according to the regulations, bad credit cards in banks will be classified as bad if they are overdue for more than 3 months. At this time, there will be constant phone calls and some will come to collect them. Business units like China Merchants Bank generally call for collection. In this case, it is possible that the person who calls you is not the bank, but the following collection company. These collection companies are only responsible for collection and cannot handle specific business such as conversion. Therefore, when you discuss with them, they usually don't give you a specific plan, but just ask you to pay back the money.
In your case, if you can cash in thousands of dollars every month, it means that your card has not been stopped (that is, the credit is stopped). At this time, as long as you can cash in, no matter how much money you cash in every month, even if it is only 1 yuan money, the bank can't sue you at this time, because you are willing to repay, no matter how much you owe, if it exceeds 5,, the public security bureau will. Because you are willing to repay, and there is running water as evidence, it is not a malicious overdraft. As long as it is not a malicious overdraft, the bank cannot solve it through judicial means.
At the same time, if you want to solve this matter as soon as possible, you need to talk to the bank personnel. In general, you need to talk to the bank personnel with poor management, whether to convert or not, and the situation of interest fee reduction and exemption. This needs to be discussed in detail.
If you just pay it back in this way, although there is no way to take judicial measures against you, the total amount you owe will be about double the principal in about 1 months, and your loss is relatively large, so you should pay attention to it.
problems in the loan.
First of all, there will be a problem with your credit information, that is, the credit information system of the People's Bank of China will show in detail the amount of overdue debts, which bank and other detailed arrears information, and you will not be able to conduct credit business in any financial institution.
second, you will face lawsuits. The contracts of the banks are all standard contracts, and all the terms are specified in detail. The possibility of losing this lawsuit is basically 1%.
Third, after you lose the case, you will face property enforcement, that is, the property under your name will be sealed up, and the relevant deposits will be deducted. Of course, if there is no property enforcement, you will not lose anything, but there are ways to enforce your future income, such as salary cards.
fourthly, you will face a height limit, that is, you will limit high consumption, you will become an old lai, you will be prohibited from flying on high-speed trains, staying in high-end hotels, and so on.
Fifth, the influence on the next generation. If your child's work needs political review, it will be affected if you are Lao Lai.
Sixth, whether you will go to jail for owing money to the bank, in fact, you can't pay the loan to the bank. It's just a civil dispute, and you won't go to jail under normal circumstances. If the bank brings a lawsuit to the court and the debtor fails to perform the court's judgment after the court's judgment, the bank may apply to the court for compulsory execution. However, if the debtor has the ability to perform the judgment and refuses to execute it, the serious situation will constitute the crime of refusing to execute the judgment.
I hope it helps you.
Sue, while there is still breath, sue the credit card and loan platform, and tell them why they want to give you a credit card and why they want to lend you a loan. Now they are overwhelmed by the credit card loan. Tell them to sell their parents' house and bring their parents' pensions.
Are you an adult and have no responsibility?